For state and federal workers, one of the big things that help determine insurance cost is where you call home. Cities with larger populations likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.
The next table ranks the most expensive cities in Florida for government employees to purchase car insurance in. Tampa is ranked at #7 with a yearly premium of $2,610 on average, which is approximately $218 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami Gardens | $3,181 |
| 3 | Miami | $3,145 |
| 4 | Miami Beach | $3,043 |
| 5 | Miramar | $2,709 |
| 6 | West Palm Beach | $2,705 |
| 7 | Tampa | $2,610 |
| 8 | Coral Springs | $2,574 |
| 9 | Davie | $2,548 |
| 10 | Pompano Beach | $2,543 |
| 11 | Hollywood | $2,526 |
| 12 | Fort Lauderdale | $2,500 |
| 13 | Pembroke Pines | $2,481 |
| 14 | Brandon | $2,368 |
| 15 | Clearwater | $2,260 |
| 16 | St. Petersburg | $2,196 |
| 17 | Spring Hill | $2,102 |
| 18 | Orlando | $2,090 |
| 19 | Port St. Lucie | $1,975 |
| 20 | Jacksonville | $1,960 |
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Rate information is approximated as vehicle location can influence price quotes substantially.
Deciding which company offers the best car insurance rates for government employees will involve more work in order to find the lowest price quote.
Each insurer has a different process to set policy rates, so we will examine the most affordable car insurance companies in Florida. Keep in mind that Tampa car insurance rates are influenced by many factors which can substantially decrease or increase the price you pay. Simply turning a year older, marrying your spouse, or getting a ticket for running a stop sign can trigger price changes resulting in some rates now being much cheaper than others.
Lowest Insurance Price Quotes in Florida
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $977 |
| 2 | Electric | $1,694 |
| 3 | Amica | $1,764 |
| 4 | Progressive | $1,847 |
| 5 | Travelers | $1,869 |
| 6 | Mercury | $1,973 |
| 7 | Allied | $1,985 |
| 8 | Auto-Owners | $2,085 |
| 9 | Esurance | $2,102 |
| 10 | GEICO | $2,108 |
| 11 | State Farm | $2,110 |
| 12 | 21st Century | $2,397 |
| 13 | Allstate | $2,411 |
| 14 | Windhaven Insurance | $2,653 |
| 15 | MetLife | $2,870 |
| 16 | Safeco | $2,927 |
| 17 | Hanover | $2,934 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,422 |
| 20 | Direct General | $4,062 |
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USAA generally has some of the most affordable car insurance rates in Tampa at around $977 annually. Electric, Amica, Progressive, and Travelers also make the cut as some of the cheaper Tampa, FL car insurance companies.
In the above example, if you are insured with Amica and switched to USAA, you may see a yearly savings of in the neighborhood of $787. Customers with Progressive might save as much as $870 a year, and Travelers customers might realize rate reductions of up to $892 a year.
It’s important to note that these premium estimates are averages for all ages of drivers and types of vehicles and do not take into consideration an exact location for government employees. So the company that has the cheapest price for you may not even be in the top 21 companies shown above. That affirms the importance of why you need to get rate quotes using your own driver information and specific vehicle type.
Types of discounts on Tampa insurance
Insurers that sell policies for government employees may also give you rate discounts that could potentially reduce rates by as much as 30% if you are eligible to receive them. Larger car insurance companies and some of the discounts are:
- Mercury Insurance offers discounts for age of vehicle, professional/association, multi-car, good student, type of vehicle, low natural disaster claims, and annual mileage.
- Farmers Insurance may include discounts for pay in full, alternative fuel, homeowner, youthful driver, electronic funds transfer, and good student.
- Farm Bureau has discounts for multi-policy, multi-vehicle, safe driver, youthful driver, and driver training.
- State Farm has savings for student away at school, Drive Safe & Save, safe vehicle, multiple policy, and defensive driving training.
- Allstate offers premium reductions for anti-theft, multi-policy, anti-lock brakes, safe driver, and passive restraint.
- GEICO includes discounts for federal employee, multi-policy, anti-theft, daytime running lights, anti-lock brakes, and good student.
The diagram below shows the comparison of annual premium costs with and without discounts applied. The data assumes a male driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, accident-free, vehicle safety, homeowner, marriage, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for government employees is 28% or $891.
Violations and accidents raise rates
One of the best ways to get cheap car insurance rates for state and federal workers is to drive safely and avoid accidents and traffic citations. The example below shows how speeding tickets and at-fault accidents increase insurance costs for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
The data charted above shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,803. Get one speeding ticket and the average cost increases to $2,046, an increase of $243 each year. Now add in one accident along with the one speeding ticket and the yearly cost of car insurance for government employees jumps again to an average of $2,720. That’s an increase of $917, or $76 per month, just for not paying attention while driving!
What aren’t you shopping around?
Tampa car insurance rates are impacted by many factors which can significantly increase or decrease the price of coverage. Getting older, marrying your spouse, or having a fender bender can trigger rate changes resulting in some companies being affordable when they were higher priced. Not only may your risk profile change, but companies file new Florida car insurance rates as often as every quarter in order to protect their financial rating. An extended period of higher than normal claims can cause increased rates, while lower claim expenses can result in lower-cost Tampa car insurance rates.
To illustrate this point, the bar chart below shows which companies have the cheapest car insurance in Tampa, FL for a 40-year-old male driver with no prior accidents, a clean driving record, and good financial standing. If we estimate prices based on his current situation, USAA offers the best car insurance rates in Tampa at $1,532 each year. This is $916 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are the remaining best Tampa, FL auto insurance companies.
Now we will pretend the driver in the first chart a claim surcharge, a lower credit rating, and a few blemishes on his driving record. Since each auto insurance company uses their own calculation to set premium rates, comparing prices most likely will result in a new list of affordable Tampa car insurance companies as shown below.
USAA now has the cheapest auto insurance in Tampa, FL with Mercury, GEICO, Esurance, and Auto-Owners also having competitive pricing. This demonstrates why it is so important to compare as many rates as possible when trying to find cheap insurance rates for government employees. Rates can be determined by many factors and can decrease or increase without notice, so the cheapest option when you bought your policy may now be priced much higher than other options.
The agents listed below can most likely help you determine which policy fits your needs best, since lots of people like to get help from a professional when shopping for cheaper insurance for government employees. It can be hard to find the cheapest rate yourself, so getting advice from a licensed agent can provide peace of mind knowing your coverage gives you enough coverage when you need it.
To find a Tampa insurance agency by location nearest to you, click the button following the list.
L. Vega Insurance Agency
8019 N Himes Ave #100 – Tampa, FL 33614 – (813) 935-6629
Mike Clamon – State Farm Insurance Agent
3816 S Dale Mabry Hwy – Tampa, FL 33611 – (813) 837-5421
Allstate Insurance: Bruce Kestenbaum
320 E Fletcher Ave – Tampa, FL 33612 – (813) 513-8800
Allstate Insurance: Rich Lovinger
4016 Henderson Blvd l – Tampa, FL 33629 – (813) 837-9329
Hockman Insurance Agency, Inc.
3438 Colwell Ave – Tampa, FL 33614 – (813) 636-4000
More Tampa, FL insurance agents
How to find economical insurance for government employees
The list below details some of the recommended penny-pinching ideas that can help Florida drivers find cheap car insurance.
- Pay lower rates with good credit
- Save money by obeying traffic laws and keeping a clean driving record
- Frequent claims will increase rates
- Drive safe vehicles
- Avoid at-fault accidents and claims
- Compare rates once a year for cheaper prices
That final tip is especially significant, as we stressed in the article above. Prices vary greatly, so you should be ready to buy from a new company if a more affordable price is available. Many drivers prefer to stick with one company, but we do not recommend it if that loyalty results in overpaying major coinage every year. If you have a few minutes, shop around and find cheaper insurance for government employees in Tampa.