What Insurance is Cheapest for Veterans in Tampa?

For veterans, one of the largest criteria that are used to help calculate insurance cost is where your car is garaged in Tampa. Cities with larger populations will most likely pay more, whereas more rural areas profit from lower rates.

The next table rates the most expensive areas in Florida for veterans in which to buy car insurance. Tampa is listed at #10 with an annual rate of $2,558 for the average policy, which is about $213 per month.

How much does car insurance cost in Tampa, FL?
Rank City Annual Rate
1 Hialeah $3,630
2 Miami $3,273
3 Miami Gardens $3,245
4 Miami Beach $3,043
5 West Palm Beach $2,679
6 Miramar $2,629
7 Pompano Beach $2,620
8 Hollywood $2,604
9 Fort Lauderdale $2,576
10 Tampa $2,558
11 Pembroke Pines $2,505
12 Coral Springs $2,499
13 Davie $2,448
14 Brandon $2,368
15 St. Petersburg $2,196
16 Clearwater $2,194
17 Spring Hill $2,039
18 Orlando $2,008
19 Port St. Lucie $1,994
20 Jacksonville $1,960
21 Cape Coral $1,917
22 Lakeland $1,845
23 Palm Bay $1,786
24 Tallahassee $1,731
25 Gainesville $1,630
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Premium costs are estimated as the specific zip code location can increase or decrease price quotes substantially.

The car, truck, or SUV that needs insurance is one of the primary factors when trying to find the most affordable insurance for veterans. Vehicles with lots of speed or power, a lack of advanced safety features, or a history of substantial liability claims will cost quite a bit more to insure than more economical and safe models. The data below illustrates coverage costs for a number of the most economical vehicles to insure.

Cheapest Vehicles to Insure in Tampa, FL
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,756
Ford F-150 FX2 Super Cab 2WD $1,965
Honda CR-V EX-L 2WD $2,033
Ford Focus SE 4-Dr Sedan $2,036
Ford Edge SE AWD $2,045
Toyota Prius $2,138
Ford Explorer XLT AWD $2,150
Jeep Wrangler Rubicon 4WD 2-Dr $2,156
Toyota Corolla LE $2,189
Hyundai Sonata GLS 4-Dr Sedan $2,224
Nissan Rogue S AWD $2,233
GMC Sierra SLE Extended Cab 4WD $2,230
Volkswagen Jetta SE 4-Dr Sedan $2,240
Chevrolet Impala LS $2,230
Dodge Grand Caravan Hero $2,275
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in Tampa, FL location which can change price quotes significantly.

Based upon the table data, you can infer that makes and models like the Ford Escape, Ford F-150, and Honda CR-V are going to be a few of the less-costly vehicles to insure for veterans.

The chart below highlights how deductible choice can impact yearly insurance costs when quoting cheap insurance for veterans. The rates are based on a single female driver, full physical damage coverage, and no discounts are factored in.

As shown above, a 50-year-old driver could lower their policy premium by $448 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $674 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old, could possibly save up to $1,148 every year by using a higher deductible. If you do make the decision to raise your deductibles, it will be important to have additional funds in a savings account to satisfy the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Best car insurance company in Florida

Finding the best company can be difficult considering how many different insurance companies sell coverage in Florida. The ranking data displayed below could help you choose which auto insurers to look at when comparing rate quotes.

The ratings below are only comprised of the largest auto insurers in America, so smaller companies that only insure vehicles in Florida are not factored into the list. To check rates from the most competitive companies in Florida, simply click here.

Top 10 Major Car Insurance Companies in Tampa Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Top 10 Major Car Insurance Companies in Tampa Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

How to find low-cost insurance for veterans

It is possible to find better rates, and here are some of the better money-saving solutions that can help Florida drivers buy cheap auto insurance.

The last item on the list is notably important, as we stressed in the article above. Car insurance prices in Tampa fluctuate constantly, so drivers shouldn’t be resistant to switch carriers if a lower price can be found.

Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that devotion results in you overpaying money that could be spent on other things. If you have a few minutes, shop around and find cheaper auto insurance for veterans.