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Cheapest Car Insurance Rates in Tampa, florida

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Driving Conditions in Tampa, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

105Rainy Days a Year
51 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Tampa, florida Car Insurance Rates by Provider

There are many car insurance providers in Tampa, Florida to choose from, so it is best to compare rates and coverage options to find the best policy for you. Some of the top providers in the area include Geico, Progressive, State Farm, Allstate, and USAA. Each company offers a variety of discounts and coverage options, so it's important to compare the rates and coverage to find the best fit for your needs. White Chip Insurance has established relationships with all these carriers so we can ensure you will receive the cheapest car insurance rate in Tampa, Florida.

ProviderAverage Annual Rate
State Farm$2,273
GEICO$2,598
Progressive$3,364
Allstate$4,508

Tampa, florida Car Insurance Rates by Age

Car insurance rates in Tampa, Florida vary depending on the age of the driver. Generally, younger drivers pay higher rates than older drivers because insurance companies use age as a risk factor when determining premiums. White Chip Insurance is dedicated to offering the cheapest car insurance rates to drivers of all ages. We will ensure you receive affordable car insurance in Tampa. The following is a list of average car insurance rates in Tampa, Florida, by age range:

AgeAverage Annual Rate
16 - 19$8,520
20s$3,794
30s$2,980
40s$2,926
50s$2,757
60s$2,807
70s$3,425

Tampa, florida Car Insurance Rates by Gender and Marital Status

In Tampa, Florida car insurance rates do not typically differ based on gender. This is because car insurance companies cannot use gender as a factor in their pricing models. Some states have laws that prohibit insurers from using gender as a factor when setting rates. In Tampa, Florida, female drivers pay slightly more than male drivers on average.

Marital status can affect car insurance rates. Married couples generally pay less for car insurance than single drivers because they are seen as more responsible and less likely to take risks behind the wheel. In Tampa, Florida, divorced or widowed drivers can expect to pay slightly higher rates than single or married drivers. Our team of experienced agents will make sure you get cheap car insurance in Tampa no matter what category you fall into.

Gender and Marital StatusAverage Annual Rate
Married$2,893
Divorced$2,990
Widowed$2,943
Female$3,091
Male$2,990
Single$2,893

Tampa, florida Car Insurance Rates by Driving Record

A driver with a clean driving record in Tampa, Florida is likely to have lower car insurance premiums than someone with a poor driving record. Insurers may also offer discounts for drivers with clean records or reward them with lower rates. Conversely, drivers with a poor driving record may be charged higher rates or be required to pay higher deductibles. Drivers who have had a DUI conviction or multiple traffic violations may be charged significantly higher rates. No matter what your driving record is, White Chip Insurance will be able to provide you will cheap car insurance in Tampa, Florida.

Driving RecordAverage Annual Rate
DUI/DWI$4,395
Reckless Driving$4,534
At-fault Accident (damages less than $1,000)$4,137
At-fault Accident (damages greater than $2,000)$4,137
Speeding Ticket (16-20mph over speed limit)$3,725

Tampa, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Tampa, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 579$6,060
580 - 669$3,700
670 - 739$2,990
740 - 799$2,704
740 - 799$2,380

Cheapest Area Codes in Tampa, florida

Some zip codes in Tampa, Florida are more expensive due to their proximity to desirable areas with better job prospects, educational opportunities, and access to amenities such as shopping, dining, and entertainment. Other factors that can contribute to higher prices in certain areas include quality of schools and safety of the neighborhood. The most expensive zip code in Tampa, Florida is 33606, with an average home value of $812,600. The least expensive zip code in Tampa, Florida is 33602, with an average home value of $101,300. Our team will ensure you get affordable car insurance in Tampa, Florida no matter what zip code you live in.

Most Expensive Tampa, florida ZIP Codes

33592, 33569, 33549, 33647, 33650

Least Expensive Tampa, florida ZIP Codes

33604, 33607, 33614, 33605, 33603

Local Amenities in Tampa, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Tampa, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What company has the cheapest car insurance in Florida?

Some of the most popular car insurance providers in Florida include State Farm, Allstate, GEICO, Progressive, and USAA. The cheapest rate varies on a driver-by-driver basis.

What is the average cost for car insurance in Florida?

The average cost of car insurance in Florida is $1,939 per year, according to the Insurance Information Institute. The most expensive car insurance by city in Florida is Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state has a high risk of natural disasters, such as hurricanes and floods, and a high rate of car theft. Additionally, Florida is a no-fault state, which means that drivers are personally responsible for their own medical expenses regardless of who is at fault in an accident. This leads to an increase in the cost of insurance in Florida.

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How much is car insurance near Tampa, FL?
OrlandoTallahasseeJacksonville
OcalaMiamiFort Lauderdale
St. PetersburgHialeahHollywood
Cape CoralPembroke PinesPort St. Lucie
Miami GardensGainesvilleCoral Springs
Lehigh AcresClearwaterPalm Bay
Pompano BeachWest Palm BeachMiramar
LakelandDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

Find the Cheapest Car Insurance Rates