{"id":32118,"date":"2021-06-22T07:22:33","date_gmt":"2021-06-22T14:22:33","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=32118"},"modified":"2023-09-19T12:31:11","modified_gmt":"2023-09-19T19:31:11","slug":"tampa","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/florida\/tampa\/","title":{"rendered":"Car Insurance in Tampa"},"content":{"rendered":"<section class=\"c-section  \" id=\"default-block_60c9288574efc\">\n    <div class=\"o-wrapper \">\n        \n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">Located off of Florida\u2019s Gulf Coast, the Tampa Bay area\u2019s a bustling metropolitan region that over 3.1 million Floridians call home, whether they live in St. Petersburg and commute to Tampa daily via the Sunshine Skyway Bridge or live in the area of Clearwater. Tampa itself boasts nearly 400,000 residents living within its city limits, hitting the roads and highways daily \u2014 and with good reason. With a vibrant nightlife, an array of beaches, a trendy cultural scene, historical Ybor City\u2019s ties to 19th-century Cuban cigar makers, and several sports teams, Tampa offers ample opportunities for its residents to head out and enjoy living in this sunny Florida city. It\u2019s no wonder Tampa has <a href=\"https:\/\/www.wfla.com\/news\/tampa-named-one-of-the-most-traffic-congested-cities-in-the-world\/\" target=\"_blank\" rel=\"noopener\">ranked among the top 25 U.S. cities<\/a> with bad traffic in recent years.<\/p>\n<h3 style=\"text-align: left;\">Quick Facts<\/h3>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Tampa\u2019s average annual <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">car insurance<\/a> premium in 2021 for full coverage is $2,990, which is around 25.7% more than the annual statewide average of $2,309.<\/li>\n<li>Tampa <a href=\"https:\/\/www.city-data.com\/accidents\/acc-Tampa-Florida.html\" target=\"_blank\" rel=\"noopener\">reported<\/a> 64 fatal crashes in 2019 that resulted in 68 fatalities. That\u2019s nearly 2.2% of <a href=\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/state-by-state\" target=\"_blank\" rel=\"noopener\">all fatal crashes in Florida<\/a> that year.<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_60c9292c74eff\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">How Much Does Car Insurance Cost in Tampa?<\/h2>\n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">If you\u2019re a driver living in Tampa, Florida, you should expect to pay around $2,990 annually for full coverage car insurance. The amount you\u2019ll be paying in Tampa is within an average range compared to other cities throughout Florida. By comparison, you\u2019d pay roughly $197 less than a driver living in West Palm Beach, which is one of the more expensive cities.<\/p>\n<p style=\"text-align: left;\">The time drivers spend on roads and highways has led to the enactment of consumer protection laws, giving drivers in need of <a href=\"https:\/\/www.freeway.com\/auto-insurance\/florida\/\">Florida car insurance<\/a> some of the best coverage in the U.S.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Average Annual Premium<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td><strong>Tampa<\/strong><\/td>\n                                                                                            <td><strong>$2,990<\/strong><\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Miami<\/td>\n                                                                                            <td>$3,075<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>West Palm Beach<\/td>\n                                                                                            <td>$3,187<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Orlando<\/td>\n                                                                                            <td>$2,301<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Gainesville<\/td>\n                                                                                            <td>$1,839<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60c929e274f00\">\n    <div class=\"o-wrapper \">\n        \n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">Your zip code and age are two <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/why-is-car-insurance-so-high\/\">factors that auto insurers generally use to calculate your car insurance rates<\/a>. Regarding your neighborhood, insurers typically consider the average number of accidents that occur in your zip code, as well as how many people reside in your area, what the average income there is, and what are the crime rates.<\/p>\n<p style=\"text-align: left;\">In terms of age, experience behind the wheel matters. Because younger drivers lack it, they typically have to pay a little more for auto coverage than more experienced drivers.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_60c92b1674f01\">\n    <div class=\"o-wrapper Default\">\n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Tampa Car Insurance Rates by Zip Code<\/h3>\n<p style=\"text-align: left;\">There are 27 zip codes in the Tampa area, and rates for each zip code vary based on several factors, including population density and average income. For example, drivers living in the 33603 zip code, which includes working-class and historic neighborhoods such as Wellswood, Rivercrest, Tampa Heights, and Ybor Heights, pay roughly $1,025 more for car insurance annually than drivers living in the Carrollwood neighborhood, which is zip code 33618. This might be because I-275 cuts through the 33603 zip code area, bringing a higher volume of traffic through it, whereas the Carrollwood neighborhood consists mostly of city streets and State Road 597.<\/p>\n<p style=\"text-align: left;\">The following table lists several zip codes in the Tampa area and the average insurance rates drivers will pay:<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>ZIP Code<\/th>\n                                                                                            <th>Average Premium<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>33647<\/td>\n                                                                                            <td>$5,575<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>33614<\/td>\n                                                                                            <td>$6,828<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>33615<\/td>\n                                                                                            <td>$6,673<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>33617<\/td>\n                                                                                            <td>$5,760<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>33612<\/td>\n                                                                                            <td>$6,850<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>33634<\/td>\n                                                                                            <td>$6,733<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>33603<\/td>\n                                                                                            <td>$6,931<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>33618<\/td>\n                                                                                            <td>$5,906<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_60c92bc474f02\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Tampa Car Insurance Rates by Age<\/h3>\n<p style=\"text-align: left;\">As we mentioned before, zip code and age are typically the two main factors insurers consider in calculating your annual auto rate. While marital status and gender can sometimes play a role, this information is not as significant as how old you are and where you live.<\/p>\n<p style=\"text-align: left;\">A young driver who lacks experience behind the wheel will usually pay more for car insurance than someone who has been driving for several years. As a driver gets older, they will usually see their rate begin to fall. Here is a look at the rates in Tampa based on age.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Average Annual Premium<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers<\/td>\n                                                                                            <td>$8,520<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$3,794<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$2,980<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$2,926<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$2,757<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$2,807<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s<\/td>\n                                                                                            <td>$3,425<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60c92e2074f03\">\n    <div class=\"o-wrapper \">\n        \n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">Keeping a clean driving record, with no crashes or tickets during the past three to five years, will keep your rates low.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60c92e3374f04\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Tampa<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">How Many Fatal Accidents Happen in Tampa?<\/h3>\n<p style=\"text-align: left;\">In 2019, Florida reported <a href=\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/state-by-state\" target=\"_blank\" rel=\"noopener\">2,950 fatal crashes<\/a> that resulted in 3,183 deaths. Of those fatal crashes, 64 occurred in Tampa, resulting in 68 deaths.<\/p>\n<p style=\"text-align: left;\">That same year, Hillsborough County, where Tampa is located, reported 219 <a href=\"https:\/\/www.flhsmv.gov\/resources\/crash-citation-reports\/\" target=\"_blank\" rel=\"noopener\">alcohol-related<\/a> fatal crashes, with blood-alcohol levels above the legal limits. These <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/dui-insurance\/\">DUI<\/a> crashes were around 7.4% of all fatal crashes that occurred throughout Florida in 2019.<\/p>\n<h3 style=\"text-align: left;\">How Are the Road Infrastructure and Bridges in Tampa?<\/h3>\n<p style=\"text-align: left;\">From paving worn road surfaces to replacing traffic signs and city street lights, the City of Tampa Public Works department handles all infrastructure repairs across roughly 176 square miles of the city.<\/p>\n<p style=\"text-align: left;\">Three commuter bridges cross Tampa Bay to neighboring Pinellas County: the Howard Frankland Bridge (I-275), the Courtney Campbell Causeway (SR 60), and the Gandy Bridge (U.S. 92). Southern Tampa has the Sunshine Skyway Bridge linking it to the city of St. Petersburg, also in Pinellas County.<\/p>\n<p style=\"text-align: left;\">In 2016, the American Society of Civil Engineers (ASCE) <a href=\"https:\/\/infrastructurereportcard.org\/wp-content\/uploads\/2017\/01\/2016_RC_Final_screen.pdf\" target=\"_blank\" rel=\"noopener\">gave Florida an overall grade of C<\/a> for several of its infrastructure challenges. \u201cDriving on roads in need of repair in Florida costs each driver $425 per year,\u201d <a href=\"https:\/\/infrastructurereportcard.org\/state-item\/florida\" target=\"_blank\" rel=\"noopener\">according to the ASCE<\/a>, \u201cand 2.9% of bridges are rated structurally deficient.\u201d<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60c92eaa74f05\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in Tampa<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">Florida is a no-fault state, which means drivers are required to cover their own bodily injury payments regardless of who caused the crash. According to <a href=\"http:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0300-0399\/0324\/Sections\/0324.021.html\" target=\"_blank\" rel=\"noopener\">Florida State Statute \u00a7324.021<\/a>, <a href=\"https:\/\/www.freeway.com\/auto-insurance\/california\/\">drivers must carry the minimum liability insurance<\/a>. Under Florida\u2019s Financial Responsibility and No-Fault laws, vehicle owners must meet the following minimum limits:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Property damage liability (PDL) &#8211; $10,000<\/li>\n<li>Personal injury protection (PIP) &#8211; $10,000<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60c92f2374f06\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in Tampa Car Insurance Rates<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">Across the nation, insurers rely on certain criteria to determine how much you\u2019ll pay for car insurance. In Tampa, the criteria generally used are:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Age<\/li>\n<li>Zipcode<\/li>\n<li>Driving history<\/li>\n<li>Marital status<\/li>\n<li>Gender<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60c92f4674f07\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Discounts for Car Insurance in Tampa<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">Insurers typically extend <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/11-money-saving-tips-lower-auto-insurance-premiums\/\">discounts<\/a> to drivers, and it\u2019s in your best interest to consider these offers as a way to save money on your policy. Offers might include a:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Good driver discount<\/li>\n<li>Multi-car discount<\/li>\n<li>Anti-theft discount<\/li>\n<li>Student discount<\/li>\n<li>Military discount<\/li>\n<li>Multi-policy discount<\/li>\n<li>Mature, retired, or senior discount<\/li>\n<\/ul>\n<div id=\"gtx-trans\" style=\"position: absolute; left: 37px; top: -10px;\">\n<div class=\"gtx-trans-icon\"><\/div>\n<\/div>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_60c92fb774f08\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in Tampa?<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">All Florida drivers must carry the <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/driving-without-insurance\/\">minimum amount of coverage<\/a> or face having their license, license plate, and vehicle registration suspended for up to three years. If your license, license plate, and vehicle registration are revoked, you must provide the state with proof of insurance coverage and pay a $150 fee to have them all reinstated.<\/p>\n<p style=\"text-align: left;\">If your insurance lapses a second time within three years of the first occurrence, you must pay a $250 reinstatement fee. If this happens a third time in the three years that follow, the fee increases to $500.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<br>\n\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_60c9302474f09\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get a Quote for Car Insurance in Tampa Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/06\/Tampa.jpg\" alt=\"Panoramic view of Tampa skyline\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p>Insurance is a legal requirement. It\u2019s also an inexpensive way to protect yourself from the tremendous risks of driving in the Tampa area daily. If you\u2019re involved in a crash, the last thing you want is to get bogged down with substantial medical expenses and car repair bills. Find the right coverage you need so you can drive with peace of mind. Get started with a quote <a href=\"#modal-turbo\">online<\/a>, visit us at a <a href=\"https:\/\/locations.freeway.com\/?search=tampa%2C+fl&#038;latitude=&#038;longitude=&#038;radio=20&#038;time=open-any\" target=\"_blank\" rel=\"noopener\">Tampa office<\/a> near you, or call us at <a href=\"tel:800-777-5620\">(800) 777-5620<\/a> for a quote.<\/p>\n                <\/div>\n                                    <div class=\"c-sections__list-column\">\n                                            <\/div>\n                                                                                <\/div>\n                            <div class=\"c-media-block__button\">\n                    <a class=\"c-button c-button--orange c-button--text-bing\" href=\"#modal-turbo\"  >\n                                                                                        Get Started                                            <\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":25420,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32118"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=32118"}],"version-history":[{"count":27,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32118\/revisions"}],"predecessor-version":[{"id":44950,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32118\/revisions\/44950"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25420"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=32118"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}