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Get Cheap Car Insurance in Hillsborough County, FL

We monitor insurance prices, helping the average driver in Hillsborough County save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in Hillsborough County

The chart below shows the cheapest car insurance company in Hillsborough County 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.

 
Hillsborough County Insurer Monthly Cost
Geico $139
State Farm $148
Gainsco $193
Bristol West $193

Savings for Every Kind of Hillsborough County Driver

The table shows how much the average auto insurance customer in Hillsborough County might save by following our recommendations.

Based on our extensive insurance data, we know the average Hillsborough County 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 $855 per year by choosing the right vehicle insurance company. Some Hillsborough County residents are paying out over $2,923 extra every year for auto insurance in Hillsborough County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Hillsborough County, FL Savings / Yr.
Drivers with good records
$855
Drivers with accidents
$1,256
Drivers with speeding tickets
$966
Drivers with a DUI conviction
$956
Young drivers
$3,037
Married drivers
$830
Drivers with bad credit
$1,209

Hillsborough County Car Insurance vs. Florida

People living in Hillsborough County pay an average of 10.62% more than the typical driver in the state. The average driver in Hillsborough County can expect to pay about $2,668 per year, or $2,923 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Hillsborough County for most people.

Car Insurance Prices by Hillsborough County Neighborhood

Hillsborough County, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Hillsborough County?

The map shows insurance prices in and around Hillsborough County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,162 per year within the county boundaries, with insurance premiums ranging from a high of $3,610 to a low of $2,448. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Hillsborough County.

Pick the Best Car Insurance Company for You in Hillsborough County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Hillsborough County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Hillsborough County

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $855 over the average Hillsborough County car insurance company.

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We use the average good driver, paying $172 per month, as our baseline for pricing in Hillsborough County. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Hillsborough County drivers with accidents on their records

In Hillsborough County getting into an accident will raise premiums an average 28% for a yearly cost of $4,058. That's $1,135 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,256 over the competition.

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The best car insurance company for Hillsborough County drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $966 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Hillsborough County, tickets raise premiums on new quotes about $814. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,737 per year.

The best auto insurance for Hillsborough County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,989 per year in auto insurance premiums, which was $1,066 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $956 less each year.

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The least expensive car insurance company for new and young drivers in Hillsborough County

In Hillsborough County, Geico costs young drivers $3,037 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Hillsborough County. With an average cost of $8,770 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Hillsborough County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $206. State Farm, Geico, and Progressive provided the largest discounts to couples living in Hillsborough County.

Geico gave the largest car insurance discounts to married couples, averaging $830 saved each year compared to an average Hillsborough County couple's premiums.

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The cheapest car insurance in Hillsborough County for drivers with bad credit

People with poor credit saved an average of $1,209 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,397 every year. Premiums for people with poor credit were about $4,320 in Hillsborough County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best Hillsborough County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Hillsborough County, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Hillsborough County.

Allstate was the best company for customer service in Hillsborough County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Hillsborough County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Hillsborough County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Hillsborough County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 37% of Hillsborough County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Hillsborough County driver can expect to pay about $156 per month.

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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 Hillsborough County, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Hillsborough County

What Influences the Cost of Car Insurance in Hillsborough County?

On average, car insurance in Hillsborough County 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 county are influenced by the following factors:

  • The average commute time in Hillsborough County is 35 minutes, which is a little more than average for a driver in the state.
  • 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 Hillsborough County are lower than average 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.
  • Hillsborough County is a lightly populated area in the state. The county’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 Hillsborough County is $222 per month for minimum coverage and $244 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 Counties

Counties with Similar Populations

* Who is the average Hillsborough County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Hillsborough County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.