For a 40-year-old driver with a clean record, Tampa car insurance averages about $411 a month ($4,927 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 24% above the Florida average of $331 a month. Travelers has the lowest full-coverage average of the four insurers we price, at about $247 a month.
Tampa is the most expensive of the 38 cities and towns we price in the four-county Tampa Bay area of Hillsborough, Pinellas, Pasco and Hernando counties, and it costs about $6 a month more than Miami for our benchmark driver. Of the 20 Florida cities with nine or more ZIP codes in our data, only West Palm Beach, at $438 a month, costs more.
Our data covers 25 ZIP codes with a Tampa mailing address. They take in the city itself, from South Tampa and Ybor City to New Tampa, plus unincorporated communities such as Town ‘n’ Country, Carrollwood and Westchase. To compare Tampa with the rest of the state, see our Florida car insurance quotes and rates guide.
Cost data comes from the auto rates insurers file with state regulators, priced across all 25 Tampa ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
Car insurance in Tampa costs about $411 a month ($4,927 a year) for full coverage and $159 a month for liability-only coverage at 15/30/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 24% above the Florida average of $331 a month.
Travelers has the lowest full-coverage average among the four insurers in our Tampa rate data. Most of the published 2026 rate studies we reviewed that rank Tampa insurers also put Travelers first for full coverage. Statewide, the studies disagree: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average among the insurers we price, at about $104 a month, followed by Travelers at $115.
Full-coverage averages by insurer in Tampa
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $1,374 | $115 | $2,966 | $247 |
| GEICO | $1,244 | $104 | $3,628 | $302 |
| Allstate | $2,094 | $175 | $6,273 | $523 |
| Progressive | $2,916 | $243 | $6,763 | $564 |
| State Farm (Nov. 2025 rates)* | $1,700 | $142 | $3,463 | $289 |
| United Automobile Insurance* | $2,742 | $229 | $3,824 | $319 |
| Nationwide* | $2,209 | $184 | $4,445 | $370 |
| Mercury Insurance* | $1,521 | $127 | $4,932 | $411 |
| Farmers* | $2,040 | $170 | $6,332 | $528 |
| National General* | $2,328 | $194 | $6,666 | $556 |
| Tampa average | $1,912 | $159 | $4,927 | $411 |
This table uses Tampa ZIP codes only. See how we calculated these rates.
Across the 25 Tampa ZIP codes we price, full coverage for our driver ranges from about $368 a month in 33626 to $447 in 33635, a gap of $942 a year. In our data, 33626 (Westchase) and 33647 (New Tampa) are the two least expensive Tampa ZIP codes, followed by South Tampa’s 33616 and 33611, near MacDill Air Force Base, at about $377 and $378. Travelers, the lowest-priced insurer in our Tampa data, is priced in 24 of the 25 ZIP codes; the exception is 33635, in northwest Tampa, so that ZIP code’s average covers the other three insurers. Among the 24 ZIP codes all four insurers price, 33605, which includes Ybor City, is the most expensive, at about $438 a month, followed by 33603 at $436. Town ‘n’ Country’s 33615 and Carrollwood’s 33618 sit close to the city average, at about $409 and $408.
Lowest-priced Tampa ZIP codes
Highest-priced Tampa ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Tampa’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 33602 | $2,025 | $169 | $5,139 | $428 | +4% |
| 33603 | $2,070 | $173 | $5,227 | $436 | +6% |
| 33604 | $2,061 | $172 | $5,197 | $433 | +5% |
| 33605 | $2,071 | $173 | $5,255 | $438 | +7% |
| 33606 | $2,008 | $167 | $5,125 | $427 | +4% |
| 33607 | $2,024 | $169 | $5,117 | $426 | +4% |
| 33609 | $1,778 | $148 | $4,652 | $388 | -6% |
| 33610 | $2,033 | $169 | $5,200 | $433 | +5% |
| 33611 | $1,735 | $145 | $4,535 | $378 | -8% |
| 33612 | $1,969 | $164 | $5,039 | $420 | +2% |
| 33613 | $1,865 | $155 | $4,840 | $403 | -2% |
| 33614 | $2,042 | $170 | $5,177 | $431 | +5% |
| 33615 | $1,901 | $158 | $4,908 | $409 | About average |
| 33616 | $1,734 | $145 | $4,527 | $377 | -8% |
| 33617 | $1,853 | $154 | $4,828 | $402 | -2% |
| 33618 | $1,883 | $157 | $4,891 | $408 | -1% |
| 33619 | $1,932 | $161 | $5,012 | $418 | +2% |
| 33624 | $1,881 | $157 | $4,868 | $406 | -1% |
| 33625 | $1,877 | $156 | $4,841 | $403 | -2% |
| 33626 | $1,679 | $140 | $4,416 | $368 | -10% |
| 33629 | $1,761 | $147 | $4,624 | $385 | -6% |
| 33634 | $2,033 | $169 | $5,090 | $424 | +3% |
| 33635 | $2,060 | $172 | $5,358 | $447 | +9% |
| 33637 | $1,888 | $157 | $4,928 | $411 | About average |
| 33647 | $1,688 | $141 | $4,487 | $374 | -9% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $776 a year on average in our Tampa data, with the same $500 deductibles. That’s about $65 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same Tampa ZIP codes, their full-coverage average fell from $6,235 a year in rates as of Nov. 30, 2025, to $5,554 as of Aug. 31, 2026, a 10.9% drop. Progressive cut its Tampa average 19.2%, GEICO 5.6% and Allstate 3.4%. Travelers is new in our rates since November 2025, so it’s left out, which is why these averages differ from the Tampa average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 10.9%, led by Progressive, which cut its liability-only average 16.9%. In March 2026, Florida’s Office of Insurance Regulation reported an indicated average rate change of −8% for the state’s five largest auto insurance groups.
Hillsborough County averages about $390 a month for full coverage, the fourth-most expensive of the 66 Florida counties we price, after Palm Beach, Miami-Dade and Broward counties. Pinellas County, across the bay, averages $374 and Pasco County, to the north, $371.
Tampa costs more than every other Hillsborough County city and town we price: Brandon, to the east, averages about $385 a month, Riverview, to the southeast, $380, Lutz, to the north, $371 and Plant City, farther east, $351. Where you live is one of the factors Florida insurers use, so neighboring cities can be priced differently.
The insurer you choose moves the price more than the ZIP code does. Across the 24 Tampa ZIP codes all four insurers price, averages sit within about $70 a month of each other, but Progressive’s full-coverage average is about $317 a month above Travelers’ for the same driver and car.
More Florida cities and towns are in the Florida rates by city table, and you can compare states on our car insurance rates by state page.
St. Petersburg, about 17 miles southwest across Tampa Bay, averages $381 a month, and Clearwater, about 20 miles west, $367. Among Florida’s other big cities, Orlando, about 77 miles northeast, averages $320, Jacksonville $321, Miami $405 and Fort Lauderdale $386, while Hialeah ($426) and West Palm Beach ($438) cost more than Tampa.
Drivers in Tampa follow Florida’s rules. Every vehicle registered in Florida must carry at least:
Bodily injury liability isn’t required for most Florida drivers. You need it after certain at-fault injury crashes, at 10/20 with an SR-22 filing for three years, according to the Florida Department of Highway Safety and Motor Vehicles, or after a DUI conviction, at 100/300/50 with an FR-44 filing for at least three years, under Florida Statutes section 324.023. Uninsured motorist coverage comes with any bodily injury liability policy unless you reject it in writing, under section 627.727.
Florida’s no-fault law is still in place. The 2026 bills that would have repealed it, S.B. 522 and H.B. 769, died in committee on March 13, 2026. Our Florida requirements guide covers the no-fault rules and the penalties for letting coverage lapse.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Florida law and the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
Car insurance in Tampa costs about $411 a month ($4,927 a year) for full coverage and $159 a month for liability-only coverage at 15/30/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 24% above the Florida average of $331 a month.
Travelers has the lowest full-coverage average in our Tampa rate data, at about $247 a month, followed by GEICO at $302 among the insurers we rank. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average, at about $104 a month. Most of the published 2026 rate studies we reviewed that rank Tampa insurers also put Travelers first for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes. Every vehicle registered in Florida, including in Tampa, must carry $10,000 in personal injury protection and $10,000 in property damage liability. The 2026 bills that would have repealed the no-fault law, S.B. 522 and H.B. 769, died in committee on March 13, 2026, and a 2025 repeal bill, H.B. 1181, also died. PIP pays 80% of necessary medical bills and 60% of lost income, up to $10,000, whoever caused the crash, and you must get treatment within 14 days for it to pay medical benefits.
In our data, 33626 (Westchase) has the lowest full-coverage average of the 25 Tampa ZIP codes we price, at about $368 a month, followed by 33647 (New Tampa) at $374 and South Tampa’s 33616 and 33611, at about $377 and $378. ZIP code 33635, in northwest Tampa, has the highest average, about $447, but that average covers three insurers, without Travelers; among the ZIP codes all four insurers price, 33605, which includes Ybor City, is the most expensive, at about $438. The ZIP code table on this page lists all 25.
In our Tampa data, full coverage (100/300/100 with $500 deductibles) averages about $411 a month and liability-only coverage at 15/30/10 limits about $159, a difference of about $252 a month ($3,015 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Compare several insurers. Among the insurers we rank in Tampa, Travelers and GEICO have the two lowest full-coverage averages, about $247 and $302 a month, and the lowest and highest insurer averages are about $317 a month apart for the same driver and car. Compare again at renewal: since November 2025, Progressive has cut its Tampa average 19.2%. Keep PIP and property damage liability in force for as long as your car is registered, because a lapse can lead to a license and plate suspension and a reinstatement fee of up to $500. You can also choose a PIP deductible of $250, $500 or $1,000; a higher one means you pay more of a claim yourself.
