Who Has Cheap Auto Insurance Quotes for Safe Drivers in Tampa?

The words “low-cost” and “insurance” really don’t belong together, in particular when shopping around for the cheapest car insurance for safe drivers. Let’s take a look at some of the factors that help determine auto insurance premiums, and come up with some ways to lower the cost of your next policy.

The make and model of vehicle needing coverage is one of the biggest factors when comparing quotes for the best coverage for safe drivers. Vehicles with high performance engines, poor crash test ratings, or a history of substantial liability claims will cost much more to insure than safer models. The next table illustrates coverage prices for a number of the more affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Tampa, FL
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $2,239
Ford Focus SE 4-Dr Sedan $2,267
Honda Odyssey EX-L W/Rear Entertainment $2,432
Ford Escape Limited 2WD $2,448
Chevrolet Silverado LS Regular Cab 4WD $2,458
Toyota Prius $2,474
Jeep Wrangler Sport 4WD 2-Dr $2,482
Chevrolet Equinox LTZ AWD $2,477
GMC Sierra SL Crew Cab 2WD $2,485
Hyundai Sonata SE 4-Dr Sedan $2,597
Volkswagen Jetta S 2.5 Station Wagon $2,600
Ford Explorer XLT 2WD $2,680
Dodge Grand Caravan Crew $2,692
Honda Civic LX 4-Dr Sedan $2,734
Hyundai Elantra SE 4-Dr Sedan $2,781
Toyota Corolla S $2,790
Jeep Grand Cherokee Laredo 4WD $2,832
Toyota RAV4 Limited 4WD $2,837
Ford Fusion SEL 4-Dr Sedan $2,832
Ford F-150 Lariat Crew Cab Harley 2WD $2,837
GMC Sierra 2500HD SLE Regular Cab 4WD $2,832
Kia Optima LX $2,838
Dodge Ram Quad Cab ST 4WD $2,889
Find Cheaper Rates Go

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate information does not factor in zip code location which can impact premiums greatly.

Based on these rates, you can assume that models like the Honda CR-V, Ford Focus, Honda Odyssey, and Ford Escape are most likely going to be a few of the most affordable vehicles to insure for good drivers.

For good drivers, one of the more important components that are looked at to help calculate insurance cost is where you normally keep your vehicle. Areas with a lot of weather claims or more people tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims profit from lower rates.

The next table sorts the highest-priced places in Florida for safe drivers to buy car insurance in. Tampa shows up at #9 with an annual cost of $2,532 for the average insurance policy, which is approximately $211 per month.

How much does car insurance cost in Tampa, FL?
Rank City Premium Per Year
1 Hialeah $3,488
2 Miami $3,241
3 Miami Gardens $3,181
4 Miami Beach $3,013
5 Miramar $2,629
6 Hollywood $2,604
7 West Palm Beach $2,599
8 Pompano Beach $2,543
9 Tampa $2,532
10 Pembroke Pines $2,505
11 Coral Springs $2,499
12 Fort Lauderdale $2,475
13 Davie $2,473
14 Brandon $2,322
15 St. Petersburg $2,286
16 Clearwater $2,194
17 Spring Hill $2,102
18 Orlando $2,029
19 Port St. Lucie $1,975
20 Jacksonville $1,960
21 Cape Coral $1,917
22 Lakeland $1,901
23 Palm Bay $1,803
24 Tallahassee $1,784
25 Gainesville $1,680
Compare Prices Now Go

Annual rates are comparative as the specific garaging location can increase or decrease price quotes considerably.

Finding the top auto insurance company can be difficult considering how many companies there are to choose from in Florida. The company ratings below may help you analyze which insurers to look at when insurance shopping for safe drivers. These rankings are for the largest companies in America, so companies that focus mainly on Florida business will not be included in the list.

Top 10 Major Auto Insurance Providers 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 Auto Insurance Providers in Tampa Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Get discounts on Tampa auto insurance rates

Auto insurance for good drivers in Tampa, FLInsurers that offer cheap quotes for safe drivers may have rate discounts that could potentially reduce rates by as much as 40% or more if you meet specific eligibility requirements. A list of companies and a summarized list of policyholder discounts include:

The example below visualizes the comparison of auto insurance costs with and without discounts. The premiums are based on a female driver, no accidents or driving violations, Florida state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, homeowner, defensive driving course, marriage, multiple policy, and claim-free discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for safe drivers is 28% or $518.

Your low-price policy may be costing you money

Florida auto insurance rates are determined by lots of factors that may substantially change the cost of having a policy. Improving your credit score, buying another vehicle, or having an at-fault accident can produce rate changes that can make some companies cheaper than competitors.

Not only may your situation change, but car insurance companies amend pricing every year or even multiple times each year in order to offset underwriting gains or losses. Higher than normal claims can cause higher priced premiums, while less frequent claims may result in cheaper Tampa car insurance rates.

As an example, the data below shows rates for the cheapest car insurance in Tampa, FL for a 45-year-old female driver with no prior accidents, a clean driving record, and a good credit history. If we look at prices based on her personal risk profile, USAA might quote the best car insurance rates in Tampa at $1,564 a year. This is $884 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Mercury round out the rest of the cheapest Tampa, FL auto insurance companies.

Now let’s give the driver in the first chart a claim surcharge, less-than-perfect credit, and a few traffic violations. Because every insurance company uses their own calculation for determining rates, comparing prices could now result in a completely different list of companies as shown below.

USAA now has the best price on car insurance in Tampa, FL with Allied, Esurance, GEICO, and State Farm also having competitive pricing. This example illustrates why it is critical to shop around to get affordable insurance rates for safe drivers.

Insurance rates are made up of many factors and can change substantially, so the best price a year ago may now not even be in the top five.