How to find cheaper Tampa car insurance rates

How to find cheaper Tampa car insurance rates

It takes a few minutes, but the best way to get cheaper auto insurance rates is to start doing an annual price comparison from providers who provide auto insurance in Tampa. Prices can be compared by completing these steps.

Step 1: Get a basic knowledge of policy coverages and the things you can change to lower rates. Many policy risk factors that drive up the price like tickets, at-fault accidents, and a less-than-favorable credit history can be eliminated by paying attention to minor details. Continue reading for information to prevent expensive rate increases and earn a bigger discount.

Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can quote prices for a wide range of insurance providers.

Step 3: Compare the new rate quotes to your existing coverage to determine if you can save on insurance in Tampa. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Provide notification to your current company to cancel your current car insurance policy and submit a down payment along with a signed application for the new policy. As soon as you can, keep your new certificate verifying proof of insurance in a readily accessible location in your vehicle.

The key aspect of shopping around is to try to use similar limits and deductibles on every quote request and to quote with as many carriers as you can. This helps ensure an apples-to-apples comparison and the best price selection.

Brand loyalty may be costing you hundreds every year. Compare rates now and save.

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The cost of car insurance depends on many different factors, but the average price for a policy in Tampa is right around $1,400 annually. On average, the rest of the U.S. pays around $1,230, so Tampa residents pay approximately $15 more every month than drivers in other states.

Auto insurance rates are determined by a lot of factors, and one important factor is the type of vehicle you drive. The rate data below shows insurance cost for some of the more popular vehicles insured in Tampa.

Auto Insurance Rates for Popular Vehicles in Tampa
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado LS Extended Cab 4WD $1,452 $726 $121
Dodge Ram Crew Cab TRX 2WD $1,568 $784 $131
Ford Escape XLS 2WD $1,224 $612 $102
Ford Explorer Eddie Bauer AWD $1,486 $743 $124
Ford F-150 XLT Crew Cab 2WD $1,358 $679 $113
Ford Focus SES 4-Dr Sedan $1,512 $756 $126
Honda Accord LX-P 4-Dr Sedan $1,224 $612 $102
Honda CR-V EX 2WD $1,224 $612 $102
Honda Civic DX 4-Dr Sedan $1,416 $708 $118
Honda Odyssey EX W/Rear Entertainment $1,416 $708 $118
Hyundai Elantra SE Touring Station Wagon $1,354 $677 $113
Jeep Wrangler Sahara 4WD 2-Dr $1,358 $679 $113
Mazda 3 S Sport 4-Dr Sedan $1,582 $791 $132
Nissan Altima 2.5 S 4-Dr Sedan $1,548 $774 $129
Toyota Camry Hybrid $1,664 $832 $139
Toyota Corolla S $1,548 $774 $129
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price estimates do not factor in specific location information which can influence insurance rates noticeably.

Cheaper Tampa auto insurance rates with discounts

The information below illustrates the difference between insurance rates with and without discounts applied to the rates. The data is based on a male driver, no tickets, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-car, and multi-policy discounts applied.

Top 10 cheapest vehicles to insure in Tampa, FL
Honda Fit
Hyundai Accent
Mini Cooper
Chrysler PT Cruiser
Honda Accord
Chevrolet Colorado
Hyundai Elantra
Ford Escape
Kia Rondo
Mazda MX-5 Miata

Top 10 most expensive vehicles to insure in Tampa, FL
Mercedes-Benz S65 AMG
Mercedes-Benz CL65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
Mercedes-Benz S63 AMG
Mercedes-Benz CL550

Top 10 safest vehicles to insure in Tampa, FL
Ford Expedition EL
Toyota FJ Cruiser
Ford F-150
Ford Escape
Nissan Titan
Buick Enclave
Chrysler Town and Country
Jeep Liberty
Volvo XC60
Chevrolet Tahoe

Tampa, Florida Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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