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Get Cheap Car Insurance in Harbour Island, Tampa, FL
We monitor insurance prices, helping the average driver in Harbour Island save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Harbour Island
The chart below shows the cheapest car insurance company in Harbour Island 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.
| Harbour Island Insurer | Monthly Cost |
|---|---|
| Geico | $132 |
| State Farm | $140 |
| Gainsco | $183 |
| Bristol West | $183 |
Savings for Every Kind of Harbour Island Driver
Based on our extensive insurance data, we know the average Harbour Island 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 $809 per year by choosing the right vehicle insurance company. Some Harbour Island residents are paying out over $2,766 extra every year for auto insurance in Harbour Island. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Harbour Island, Tampa, FL Savings / Yr. |
|---|---|
$809 |
|
$1,188 |
|
$914 |
|
$905 |
|
$2,874 |
|
$785 |
|
$1,144 |
Harbour Island Car Insurance vs. Tampa
People living in Harbour Island pay an average of 4.70% more than the typical driver in the state. The average driver in Harbour Island can expect to pay about $2,525 per year, or $2,766 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Harbour Island for most people.
Car Insurance Prices by Harbour Island Neighborhood
Insurance Prices
Where is insurance cheapest within Harbour Island?
The map shows insurance prices in and around Harbour Island, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $72 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,795 to a low of $2,723. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Harbour Island.Pick the Best Car Insurance Company for You in Harbour Island
The best car insurance provider for most drivers in Harbour Island
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $809 over the average Harbour Island car insurance company.
The best car insurance provider for Harbour Island 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 $1,188 over the competition.
The best car insurance company for Harbour Island drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $914 better than other car insurance companies.
The best auto insurance for Harbour Island drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $905 less each year.
The least expensive car insurance company for new and young drivers in Harbour Island
In Harbour Island, Geico costs young drivers $2,874 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Harbour Island
Geico gave the largest car insurance discounts to married couples, averaging $785 saved each year compared to an average Harbour Island couple's premiums.
The cheapest car insurance in Harbour Island for drivers with bad credit
The best Harbour Island car insurance company for customer service
Allstate was the best company for customer service in Harbour Island according to the NAIC.
Recent price drops
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The cheapest large national provider in Harbour Island
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Harbour Island 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 Harbour Island, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Harbour Island
What Influences the Cost of Car Insurance in Harbour Island?
On average, car insurance in Harbour Island 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 Harbour Island are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Harbour Island is one of the least populated areas 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 Harbour Island is $210 per month for minimum coverage and $231 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 1.41% more
- Davis Island: Insurance costs 2.96% less
- Downtown Tampa: Insurance costs 1.74% less
- North Hyde Park: Insurance costs 1.92% less
- Courier City: Insurance costs 0.69% less
- Tampa Heights: Insurance costs 16.31% more
- Ybor City: Insurance costs 10.05% more
- Old West Tampa: Insurance costs 13.92% more
- Oakford Park: Insurance costs 6.47% more
- Riverside Heights: Insurance costs 2.46% more
Neighborhoods with Similar Populations
- Alta Vista-Waco: Insurance costs 39.77% less
- Berea: Insurance costs 9.44% less
- Belle Vista: Insurance costs 56.44% less
- Bishops Corner: Insurance costs 25.78% less
- Weatherby: Insurance costs 50.40% more
- Legacy Place: Insurance costs 2.86% more
- Gardenland: Insurance costs 19.02% less
- Jefferson Park: Insurance costs 21.19% less
- Jenkins: Insurance costs 52.17% less
- Wildwood: Insurance costs 52.31% less