Cheap Car Insurance in Tampa, FL

Written by Xuyun Zeng and 1 other
Updated Jul 29, 2025
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Cheap Car Insurance in Tampa, FL

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Tampa is full of attractions like the Amalie Arena, Busch Gardens and beaches up and down the Gulf Coast. To get from one spot to another, however, drivers must traverse the sprawling city. There’s a lot of potential for accidents as the area’s drivers take to the many lanes of Busch Boulevard or U.S. 19. Sharing the roads with many busy drivers is a good case for solid car insurance.

We’ve gathered car insurance quote data from real Jerry customers in Tampa to show how factors like your age, location within the city and driving record can affect your rate.

Cheapest minimum coverage insurance in Tampa

Florida requires drivers to carry the following coverages:

  • $10,000 in personal injury protection (PIP) coverage.
  • $10,000 in property damage liability coverage.

These are the average quotes that Tampa drivers have received via Jerry for minimum coverage, from cheapest to most expensive.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
ROOT $142 $1,705 Tampa, FL
National General $155 $1,861 Tampa, FL
Bristol West $191 $2,292 Tampa, FL
Embark General $227 $2,722 Tampa, FL
The General $261 $3,128 Tampa, FL
Gainsco $271 $3,258 Tampa, FL
Progressive $302 $3,621 Tampa, FL
Dairyland $326 $3,907 Tampa, FL
First Acceptance $331 $3,975 Tampa, FL
Assurance America $336 $4,027 Tampa, FL
Last Updated Jul 30, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Tampa

Hurricanes frequently hammer Florida and Tampa can fall in their paths. Should the heavy winds or flooding damage your car, minimum coverage won’t help cover your losses. However, full coverage could compensate you in an accident, weather-related events or if your car is stolen.

Here are the insurers offering the cheapest full coverage rates in Tampa, arranged from cheapest to most expensive, based on quotes received via Jerry.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Trexis $217 $2,606 Tampa, FL
Clearcover $257 $3,084 Tampa, FL
Commonwealth Insurance $276 $3,306 Tampa, FL
Embark General $289 $3,465 Tampa, FL
Gainsco $324 $3,885 Tampa, FL
National General $329 $3,945 Tampa, FL
The General $349 $4,192 Tampa, FL
Geico $378 $4,540 Tampa, FL
ROOT $389 $4,663 Tampa, FL
Assurance America $447 $5,362 Tampa, FL
Last Updated Jul 30, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

Cheapest car insurance for young drivers in Tampa (18-29 years old)

Young drivers tend to pay the highest rates among all age groups because insurers view their lack of experience as risky. Companies may weigh that risk differently, so it’s wise to compare quotes from multiple insurers.

Here are the average premiums that young drivers in Tampa can expect to pay, based on quotes that drivers received via Jerry.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
18-20 $754 $9,050 Tampa, FL
21-24 $532 $6,389 Tampa, FL
Last Updated Jul 30, 2025

Cheapest minimum coverage for 20-year-olds

Based on Jerry's data, these insurers offer the cheapest minimum coverage quotes for 20-year-olds in Tampa.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
National General $206 $2,475 Tampa, FL
The General $234 $2,810 Tampa, FL
Bristol West $251 $3,015 Tampa, FL
Gainsco $275 $3,300 Tampa, FL
Embark General $288 $3,457 Tampa, FL
Last Updated Jul 30, 2025

Cheapest full coverage for 20-year-olds

These insurers offer the cheapest full coverage quotes for 20-year-olds, according to Jerry's quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
The General $444 $5,331 Tampa, FL
Embark General $475 $5,706 Tampa, FL
Gainsco $494 $5,926 Tampa, FL
National General $572 $6,858 Tampa, FL
Geico $810 $9,714 Tampa, FL
Last Updated Jul 30, 2025

Cheapest car insurance for mature drivers in Tampa (25-54 years old)

Drivers between 25 and 54 years old generally get lower rates than younger drivers.

Here are the average quotes that mature drivers can expect to pay in Tampa, based on quotes received via Jerry.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
25-34 $406 $4,871 Tampa, FL
35-44 $360 $4,323 Tampa, FL
45-54 $345 $4,140 Tampa, FL
Last Updated Jul 30, 2025

Cheapest minimum coverage for 35-year-olds

These insurers offer the cheapest quotes for 35-year-olds seeking minimum coverage in Tampa, according to Jerry's data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
National General $118 $1,421 Tampa, FL
Geico $126 $1,506 Tampa, FL
ROOT $133 $1,591 Tampa, FL
Bristol West $142 $1,700 Tampa, FL
The General $182 $2,182 Tampa, FL
Last Updated Jul 30, 2025

Cheapest full coverage for 35-year-olds

These insurers provide the cheapest full coverage quotes to 35-year-olds in Tampa, according to Jerry's data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Embark General $300 $3,600 Tampa, FL
National General $314 $3,765 Tampa, FL
The General $345 $4,144 Tampa, FL
Gainsco $355 $4,261 Tampa, FL
ROOT $383 $4,598 Tampa, FL
Last Updated Jul 30, 2025

Cheapest car insurance for older drivers (55+ years old)

Drivers above age 54 can expect some of the lowest insurance rates, however, rates may rise as drivers reach their 70s.

Below are the average quotes that drivers who are 55 and older have received via Jerry.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
55-64 $333 $3,994 Tampa, FL
65+ $361 $4,333 Tampa, FL
Last Updated Jul 30, 2025

Cheapest minimum coverage for 65-year-olds

These insurers provide the lowest-priced quotes for 65-year-olds in Tampa, according to Jerry's data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Dairyland $112 $1,343 Tampa, FL
ROOT $116 $1,394 Tampa, FL
Bristol West $160 $1,922 Tampa, FL
Progressive $172 $2,068 Tampa, FL
Embark General $179 $2,148 Tampa, FL
Last Updated Jul 30, 2025

Cheapest full coverage for 65-year-olds

Here are the companies that offer the cheapest full coverage policies to 65-year-olds, based on Jerry's quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Embark General $269 $3,230 Tampa, FL
The General $313 $3,758 Tampa, FL
ROOT $396 $4,755 Tampa, FL
Dairyland $406 $4,875 Tampa, FL
Progressive $450 $5,399 Tampa, FL
Bristol West $491 $5,891 Tampa, FL
Infinity $547 $6,568 Tampa, FL
Mendota $1,063 $12,754 Tampa, FL
Last Updated Jul 30, 2025
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Cheapest car insurance for drivers with clean records in Tampa

Having no claims or violations on your driving record goes a long way in getting a low rate.

Here’s what drivers with clean records can expect to pay on average, according to Jerry’s quote data.

Avg Monthly Quote
Avg Annual Quote
City, State
$393 $4,720 Tampa, FL
Last Updated Jul 30, 2025

These insurers offer the lowest quotes to Tampa drivers with spotless records, according to Jerry's data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Trexis $169 $2,025 Tampa, FL
Clearcover $217 $2,604 Tampa, FL
Commonwealth Insurance $221 $2,647 Tampa, FL
Embark General $233 $2,801 Tampa, FL
National General $256 $3,068 Tampa, FL
The General $262 $3,150 Tampa, FL
Gainsco $271 $3,258 Tampa, FL
Geico $285 $3,416 Tampa, FL
ROOT $311 $3,731 Tampa, FL
Assurance America $339 $4,074 Tampa, FL
Last Updated Jul 30, 2025

Cheapest car insurance for drivers with low credit scores in Tampa

Florida allows insurance companies to set rates based on your credit score, so having a lower score could cause your car insurance rates to be higher.

Here are average monthly and annual car insurance rates by credit score range, according to Jerry's quote data.

Credit Score
Avg Monthly Quote
Avg Annual Quote
City, State
550-659 $380 $4,561 Tampa, FL
660-750 $335 $4,017 Tampa, FL
<550 $422 $5,060 Tampa, FL
750+ $341 $4,089 Tampa, FL
Last Updated Jul, 2025

These insurance companies provide the cheapest quotes to Tampa drivers with scores below 550, based on Jerry's data.

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
City, State

Cheapest car insurance for drivers with at-fault accidents in Tampa

An accident typically causes your insurance rate to rise, so it’s a good idea to compare quotes from multiple insurers to keep costs down. These tables show how accidents affect your premium, based on quotes received through Jerry.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
City, State
At Fault With Injury $315 $3,783 Tampa, FL
At Fault With No Injury $414 $4,962 Tampa, FL
Not At Fault $385 $4,626 Tampa, FL
Last Updated Jul, 2025

Cheapest policies for drivers with at-fault accidents with no injury in Tampa

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
First Acceptance $155 $1,862 Tampa, FL
ROOT $240 $2,885 Tampa, FL
Gainsco $336 $4,035 Tampa, FL
National General $341 $4,090 Tampa, FL
Progressive $406 $4,875 Tampa, FL
Last Updated Jul, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in Tampa

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
National General $276 $3,317 Tampa, FL
Assurance America $325 $3,894 Tampa, FL
Bristol West $342 $4,100 Tampa, FL
Embark General $343 $4,112 Tampa, FL
The General $525 $6,295 Tampa, FL
Last Updated Jul, 2025

Cheapest car insurance for drivers with speeding tickets in Tampa

After a speeding ticket goes on your record, you will likely see a higher auto insurance bill. If you have a recent ticket, it’s a good time to shop around for a better rate. Here's how speeding can affect your average insurance quote, based on Jerry's data.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
City, State
Speeding over 15 $426 $5,110 Tampa, FL
Speeding under 15 $398 $4,777 Tampa, FL
Last Updated Jul, 2025

These insurers provide the most affordable insurance policies to Tampa drivers with speeding tickets on their records, according to Jerry's quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
ROOT $250 $2,996 Tampa, FL
Dairyland $315 $3,783 Tampa, FL
Progressive $370 $4,445 Tampa, FL
Assurance America $383 $4,595 Tampa, FL
Gainsco $385 $4,624 Tampa, FL
Last Updated Jul, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.