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Get Cheap Car Insurance in Downtown Tampa, Tampa, FL
We monitor insurance prices, helping the average driver in Downtown Tampa save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Downtown Tampa
The chart below shows the cheapest car insurance company in Downtown Tampa for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Downtown Tampa Insurer | Monthly Cost |
|---|---|
| Geico | $130 |
| State Farm | $138 |
| Gainsco | $180 |
| Bristol West | $180 |
Savings for Every Kind of Downtown Tampa Driver
Based on our extensive insurance data, we know the average Downtown Tampa driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $795 per year by choosing the right vehicle insurance company. Some Downtown Tampa residents are paying out over $2,718 extra every year for auto insurance in Downtown Tampa. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Tampa, Tampa, FL Savings / Yr. |
|---|---|
$795 |
|
$1,168 |
|
$898 |
|
$889 |
|
$2,824 |
|
$772 |
|
$1,124 |
Downtown Tampa Car Insurance vs. Tampa
People living in Downtown Tampa pay an average of 2.87% more than the typical driver in the state. The average driver in Downtown Tampa can expect to pay about $2,481 per year, or $2,718 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Downtown Tampa for most people.
Car Insurance Prices by Downtown Tampa Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Tampa?
The map shows insurance prices in and around Downtown Tampa, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $424 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,142 to a low of $2,718. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Downtown Tampa.Pick the Best Car Insurance Company for You in Downtown Tampa
The best car insurance provider for most drivers in Downtown Tampa
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $795 over the average Downtown Tampa car insurance company.
The best car insurance provider for Downtown Tampa drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,168 over the competition.
The best car insurance company for Downtown Tampa drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $898 better than other car insurance companies.
The best auto insurance for Downtown Tampa drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $889 less each year.
The least expensive car insurance company for new and young drivers in Downtown Tampa
In Downtown Tampa, Geico costs young drivers $2,824 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Tampa
Geico gave the largest car insurance discounts to married couples, averaging $772 saved each year compared to an average Downtown Tampa couple's premiums.
The cheapest car insurance in Downtown Tampa for drivers with bad credit
The best Downtown Tampa car insurance company for customer service
Allstate was the best company for customer service in Downtown Tampa according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown Tampa
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Downtown Tampa driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Downtown Tampa, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Downtown Tampa
What Influences the Cost of Car Insurance in Downtown Tampa?
On average, car insurance in Downtown Tampa is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Downtown Tampa are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Downtown Tampa is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown Tampa is $207 per month for minimum coverage and $226 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Channelside: Insurance costs 3.20% more
- North Hyde Park: Insurance costs 0.18% less
- Harbour Island: Insurance costs 1.77% more
- Tampa Heights: Insurance costs 18.36% more
- Old West Tampa: Insurance costs 15.93% more
- Ybor City: Insurance costs 11.99% more
- Courier City: Insurance costs 1.07% more
- Riverside Heights: Insurance costs 4.27% more
- Oakford Park: Insurance costs 8.35% more
- Davis Island: Insurance costs 1.25% less
Neighborhoods with Similar Populations
- Vale and Eastern Avenue: Insurance costs 3.94% less
- Downtown North East: Insurance costs 49.93% less
- Greendale Village: Insurance costs 40.73% less
- Rogers Park: Insurance costs 31.46% less
- Chatham Parkway: Insurance costs 35.47% less
- Downtown: Insurance costs 55.81% less
- Tice: Insurance costs 6.14% more
- Grafton Hill: Insurance costs 35.03% less
- Queens-Magnolia Terrace: Insurance costs 26.20% less
- Woodland Edge: Insurance costs 36.79% less