How Much is Car Insurance for Felons in Tampa?

The vehicle model requiring insurance is one of the largest factors in finding cheap car insurance for felons. Vehicles with lower performance, modern passenger safety features, or a low likelihood of liability claims will cost quite a bit less to insure than adrenaline junky models. The table below showcases coverage prices for a selection of the most cost-effective automobiles to insure in Florida.

Cheapest Vehicles to Insure in Tampa, FL
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $2,082
Ford Escape XLT 2WD $2,091
Toyota Prius $2,107
Hyundai Elantra GLS Touring Station Wagon $2,148
Toyota Tacoma 2WD $2,207
Toyota RAV4 Limited 2WD $2,250
Jeep Grand Cherokee Laredo 2WD $2,258
Chevrolet Equinox LS 2WD $2,250
Ford Explorer Eddie Bauer 4WD $2,291
Toyota Camry XLE $2,372
Ford F-150 Lariat Crew Cab Harley 2WD $2,412
Chevrolet Impala LS $2,480
Chevrolet Malibu Hybrid $2,536
Honda Accord EX-L 2-Dr Coupe $2,577
Hyundai Sonata Limited 4-Dr Sedan $2,586
Chevrolet Silverado LT Crew Cab 2WD $2,577
Dodge Grand Caravan SXT $2,595
Honda Civic VP 4-Dr Sedan $2,598
Ford Edge Sport AWD $2,604
Kia Optima LX $2,636
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Data 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 homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Table data does not factor in Tampa, FL location which can lower or raise rates substantially.

Looking at the rates, we can infer that models like the Honda CR-V, Ford Escape, and Toyota Prius should be the most economical vehicles to insure for felons.

One of the many criteria that aid in calculating the cost of insurance is where you keep your car in Tampa. Areas with more people or higher crime rates are more likely to have higher rates, whereas areas with less congestion tend to receive slightly lower rates.

The illustration below shows the most expensive places in Florida for felons to purchase auto insurance in. Tampa comes in at #8 with an annual cost of $2,610 for the average policy, which is about $218 per month.

How much is car insurance in Tampa?
Rank City Annual Premium
1 Hialeah $3,595
2 Miami Gardens $3,277
3 Miami $3,145
4 Miami Beach $3,013
5 Miramar $2,709
6 Hollywood $2,630
7 West Palm Beach $2,625
8 Tampa $2,610
9 Davie $2,548
10 Pompano Beach $2,518
11 Fort Lauderdale $2,475
12 Coral Springs $2,474
13 Pembroke Pines $2,407
14 Brandon $2,368
15 Clearwater $2,238
16 St. Petersburg $2,196
17 Spring Hill $2,123
18 Orlando $2,008
19 Jacksonville $1,980
20 Port St. Lucie $1,935
21 Cape Coral $1,841
22 Lakeland $1,827
23 Tallahassee $1,748
24 Palm Bay $1,733
25 Gainesville $1,680
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Premium costs are estimated as the garaging address in Tampa can raise or lower premium rates considerably.

The example below shows how choosing a deductible can raise or lower insurance premiums when researching cheap insurance for felons. The information is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

As shown above, a 50-year-old driver could cut expenses by $286 a year by increasing from a $100 deductible to a $500 deductible, or save $432 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, can save $708 annually by choosing a higher deductible. When increasing deductibles, it will now be necessary to have enough funds in savings to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to get discounts on Tampa car insurance

Discounts on auto insurance for felonsInsurers that offer quotes for felons may also offer premium discounts that could potentially reduce rates by as much as 35% or more if you meet certain criteria. Popular auto insurance companies and their possible discounts can be read below.

The example below shows the difference between car insurance rates with and without discounts applied to the policy premium. The information is based on a female driver, no claims or violations, Florida state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with anti-theft, marriage, vehicle safety, passive restraint, accident-free, and claim-free discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on auto insurance for felons is 28% or $856.

The importance of comparing Tampa car insurance rates

Tampa, FL auto insurance rates are determined by lots of factors that control the policy price. Getting older, buying a home instead of renting, or getting a couple of tickets can produce rate changes that can make some companies cheaper than others.

Also, companies amend premium rates at least once a year to reflect underwriting profits or losses. A period of increased losses may result in rate hikes, while lower claim levels may produce lower-priced Tampa car insurance rates.

To illustrate this example, the bar chart below shows rates for the cheapest car insurance in Tampa, FL for a 30-year-old female driver with no prior accidents, a clean driving record, and solid credit. When comparing rates based on her current risk profile, USAA might quote the best car insurance rates in Tampa at $1,473 each year. This is $975 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are the remainder of the cheapest Tampa, FL auto insurance companies.

In this next rate comparison, we will give the driver from the first example a chargeable accident, less-than-perfect credit, and a few blemishes on her driving record. Since each auto insurance company uses their own formula for establishing rates, comparing prices could now result in a new list of the cheapest companies as shown below.

USAA now has the best price on car insurance in Tampa with Mercury, Esurance, State Farm, and GEICO also having competitive pricing. This example shows why it is crucial to shop around when trying to find the most economical car insurance rates for felons.

Rates can be altered by many things and change substantially, so the most economical company the last time you compared rates may now be quite expensive.

How to find budget-friendly insurance for felons

The list below shows some of the better thrifty ideas that can help you locate lower-cost auto insurance.

The last tip is certainly important, as was emphasized in the article above. Coverage rates can be modified anytime, so drivers shouldn’t be reluctant to change insurance companies if a better deal can be had.

Having brand loyalty is commendable, but it’s not a great idea if that devotion results in you overpaying money that could be going to better use. It only take a few minutes to compare rates to find cheaper car insurance for felons in Tampa.

If you would rather get some guidance when trying to find lower insurance rates for felons, the insurance agencies below can answer your questions and help you decide which coverages you need. To find an agent by location nearest to you, click the button below the list or click here to compare prices now.

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