How Much is Car Insurance for Postal Workers in Tampa?

The vehicle model to be insured is probably the most important factor when shopping around for affordable auto insurance for postal workers. Vehicles with lots of speed or power, poor passenger safety features, or a track record of large liability claims will cost substantially more to insure than more modest models.

The table below shows insurance premiums for some of the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Tampa, FL
Vehicle Insured Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,525
Honda Accord LX 4-Dr Sedan $1,532
Ford F-150 XL Regular Cab 2WD $1,576
Ford Escape XLS 2WD $1,661
Jeep Wrangler Sahara 4WD 2-Dr $1,706
Honda CR-V LX 2WD $1,712
Ford Edge Limited 2WD $1,763
Toyota RAV4 4WD $1,800
Nissan Altima 2.5 4-Dr Sedan $1,805
Chevrolet Impala LT $1,800
Dodge Grand Caravan Hero $1,805
Toyota Prius $1,848
Honda Civic VP 4-Dr Sedan $1,860
Kia Optima LX $1,929
GMC Sierra SL Crew Cab 2WD $1,932
Chevrolet Malibu Hybrid $1,962
Chevrolet Silverado LS Extended Cab 4WD $1,972
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in vehicle location which can influence rates greatly.

Based on these rates, vehicles like the Hyundai Elantra, Honda Accord, and Ford F-150 are likely to be a few of the most economical vehicles to insure for postal employees.

Finding affordable auto insurance is confusing at best, and deciding which company has the best car insurance rates for postal workers will involve even more diligence.

Each insurer has a proprietary method for establishing rates, so let’s take a look at the most affordable car insurance companies in Tampa, FL. It’s a good idea to know that Tampa, FL car insurance rates are based on many factors that control the price you pay. Improving your credit score, increasing deductibles, or getting a DUI can cause premium changes that can make some companies more expensive than others.

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Cheapest auto insurance in Florida ranked by cost per year
Rank Company Cost Per Year
1 USAA $957
2 Electric $1,764
3 Amica $1,764
4 Progressive $1,775
5 Travelers $1,888
6 Mercury $1,914
7 Allied $1,945
8 State Farm $2,047
9 Esurance $2,082
10 Auto-Owners $2,085
11 GEICO $2,086
12 Allstate $2,340
13 21st Century $2,469
14 Windhaven Insurance $2,653
15 MetLife $2,900
16 Hanover $2,964
17 Safeco $3,016
18 Liberty Mutual $3,131
19 United Automobile $3,422
20 Direct General $3,942
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USAA normally has some of the most affordable car insurance rates in Tampa at around $957 each year. This is $1,491 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers would also make the list of some of the more affordable Tampa, FL auto insurance companies.

In this example, if you buy coverage from Electric and switched to USAA, you could see yearly savings of approximately $807. Policyholders with Amica could save as much as $807 a year, and Progressive customers might lower prices by $818 a year.

Bear in mind that those policy prices are averaged for all ages of drivers and types of vehicles and and are not calculated with an exact vehicle garaging location for postal workers. So the company that can offer you the best price may not even be in the list above. That emphasizes why you need to get auto insurance quotes using your own driver and vehicle profiles.

Rate difference between full and liability-only coverage

Paying less for car insurance is probably important to most vehicle owners, and an effective way to pay lower rates for insurance for postal workers is to buy only liability coverage. The chart below visualizes the comparison of premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The prices are based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

If averaged for all ages, full coverage on your policy costs an additional $2,922 per year over liability only. A very common question is if it’s a good idea to buy full coverage. There is no exact rule of when to stop paying for full coverage, but there is a general guideline. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

There are some circumstances where eliminating full coverage is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Buying coverage from a good quality car insurance company can be a challenge considering how many choices there are in Tampa. The information listed below can help you select which auto insurance companies you want to consider comparing price quotes from. The rankings below include large, nationwide insurance companies, so smaller regional companies will not be included in the list.

Top 10 Large 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

Top 10 Large Auto Insurers 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

The agents listed below can probably help you make a decision which is the best policy, since many people would rather have some professional guidance when shopping for cheaper insurance for postal workers. It can be challenging to find the cheapest auto insurance company, so professional agents can add comfort knowing your coverage gives you adequate asset protection. To locate a Tampa insurance agent closest to you, click the button link following the list or click here to compare price quotes now.

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How to find budget-friendly car insurance for postal workers

It’s not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help you buy cheaper auto insurance.

That last idea is incredibly vital, as we hit on in this article. Auto insurance prices in Tampa can be changed at any time, so don’t be hesitant to buy a policy from a new company if a lower price can be found.

Many consumers stick with the same company and that’s fine, but it’s not a great idea if it’s costing you a lot of money. In just a couple of minutes you could compare prices to find cheaper car insurance for postal workers.