What Car Insurance is Cheapest for Inexperienced Drivers in Tampa?

Locating low-priced car insurance is not the easiest thing to accomplish, and finding out which companies offer the best auto insurance rates for inexperienced drivers requires even more perseverance.

Each auto insurance company has their own guidelines for establishing rates, so let’s begin by examining the most affordable auto insurance companies in Tampa. It’s important to know that Tampa, FL auto insurance rates are impacted by many factors that may substantially change the price you have to pay for coverage. Taking a driver safety course, increasing deductibles, or getting a couple of tickets may generate price changes that can cause some rates to be much cheaper than others.

Best Auto Insurance Prices for Newbies

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Cheapest insurance companies in Florida
Rank Company Cost Per Year
1 USAA $957
2 Electric $1,712
3 Amica $1,712
4 Progressive $1,829
5 Travelers $1,926
6 Mercury $1,933
7 Allied $1,985
8 State Farm $2,047
9 Esurance $2,082
10 Auto-Owners $2,149
11 GEICO $2,150
12 Allstate $2,340
13 21st Century $2,373
14 Windhaven Insurance $2,575
15 MetLife $2,958
16 Safeco $3,016
17 Hanover $3,024
18 Liberty Mutual $3,039
19 United Automobile $3,562
20 Direct General $3,942
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USAA offers some of the cheapest car insurance rates in Tampa at around $957 each year. This is $1,491 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers would also make the list of some of the most economical Tampa, FL insurance companies.

In the rate table above, if you are insured with Amica and switched to USAA, you might see savings of around $755. Florida drivers with Progressive could save as much as $872 a year, and Travelers insureds might see rate reductions of $969 a year.

If you want to find out if you’re overpaying, click here to get quotes or quote prices from the following companies.

It’s important to note that these rates are averaged across all insureds and vehicles and do not take into consideration a specific vehicle garaging location for inexperienced drivers. So the company that fits your age and vehicle best may not even be in the top 21 companies in the list above. That is why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

For new drivers, one of the big criteria that are used to help calculate the amount you pay for auto insurance is your zip code. Areas with a lot of weather claims or more people are more likely to pay higher prices, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.

The following table shows the most expensive places in Florida for inexperienced drivers to purchase a policy in. Tampa makes the list at #10 with the yearly price of $2,532 for car insurance, which is around $211 each month.

How much does car insurance cost in Tampa, FL?
Rank City Premium Per Year
1 Hialeah $3,595
2 Miami Gardens $3,277
3 Miami $3,241
4 Miami Beach $2,923
5 Miramar $2,709
6 West Palm Beach $2,625
7 Fort Lauderdale $2,576
8 Hollywood $2,552
9 Pompano Beach $2,543
10 Tampa $2,532
11 Pembroke Pines $2,505
12 Coral Springs $2,474
13 Davie $2,473
14 Brandon $2,368
15 St. Petersburg $2,196
16 Clearwater $2,194
17 Spring Hill $2,123
18 Orlando $2,029
19 Jacksonville $1,960
20 Port St. Lucie $1,916
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Prices are comparative as specific Tampa garaging address can alter coverage rates noticeably.

How to find a good Florida auto insurance company

Ending up with a high-quality company can be difficult considering how many companies sell insurance in Tampa. The company ratings shown next can help you analyze which coverage providers to look at when buying insurance for inexperienced drivers. These rankings only include companies that write coverage in many states, so companies that may only write in Florida will not be included in this list.

Top 10 Major Auto Insurers Overall in Tampa

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Get discounts on Tampa auto insurance rates

Save on auto insurance for new drivers in TampaInsurers that offer coverage for inexperienced drivers may have discounts that can reduce rates by 30% or more if you are eligible to receive them. Large auto insurance companies and some of their more popular discounts are shown below.

The information below illustrates the difference between insurance costs with and without discounts applied to the rates. The information is based on a female driver, no claims, a clean driving record, Florida state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, multiple vehicle, claim-free, homeowner, safe-driver, and vehicle safety discounts applied. When discounts are applied, the average amount saved each year on auto insurance for inexperienced drivers is 28% or $844.

Tips for buying low-cost car insurance for inexperienced drivers

Here are many money-saving solutions that can help you find cheaper coverage.

That last idea is highly significant, as we discussed in the prior article. Rates in Tampa vary greatly, so drivers shouldn’t hesitate to buy a different policy if you can find a cheaper rate.

Sticking with a specific company is fine, but it isn’t a good idea if that dedication is costing money that could be going to better use. If you have a few minutes, now is a great time to shop around and find cheaper insurance for inexperienced drivers.

If you like to get some professional advice when buying car insurance for inexperienced drivers, the agents below are willing to aid you in deciding which insurance coverage you need.

To locate a Tampa insurance agent using an interactive map, click the link after the list or click here to get price quotes now.

Find a Tampa, FL insurance agent near you