Locating low-priced car insurance is not the easiest thing to accomplish, and finding out which companies offer the best auto insurance rates for inexperienced drivers requires even more perseverance.
Each auto insurance company has their own guidelines for establishing rates, so let’s begin by examining the most affordable auto insurance companies in Tampa. It’s important to know that Tampa, FL auto insurance rates are impacted by many factors that may substantially change the price you have to pay for coverage. Taking a driver safety course, increasing deductibles, or getting a couple of tickets may generate price changes that can cause some rates to be much cheaper than others.
Best Auto Insurance Prices for Newbies
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $957 |
| 2 | Electric | $1,712 |
| 3 | Amica | $1,712 |
| 4 | Progressive | $1,829 |
| 5 | Travelers | $1,926 |
| 6 | Mercury | $1,933 |
| 7 | Allied | $1,985 |
| 8 | State Farm | $2,047 |
| 9 | Esurance | $2,082 |
| 10 | Auto-Owners | $2,149 |
| 11 | GEICO | $2,150 |
| 12 | Allstate | $2,340 |
| 13 | 21st Century | $2,373 |
| 14 | Windhaven Insurance | $2,575 |
| 15 | MetLife | $2,958 |
| 16 | Safeco | $3,016 |
| 17 | Hanover | $3,024 |
| 18 | Liberty Mutual | $3,039 |
| 19 | United Automobile | $3,562 |
| 20 | Direct General | $3,942 |
| Get Personalized Rates Go | ||
USAA offers some of the cheapest car insurance rates in Tampa at around $957 each year. This is $1,491 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers would also make the list of some of the most economical Tampa, FL insurance companies.
In the rate table above, if you are insured with Amica and switched to USAA, you might see savings of around $755. Florida drivers with Progressive could save as much as $872 a year, and Travelers insureds might see rate reductions of $969 a year.
If you want to find out if you’re overpaying, click here to get quotes or quote prices from the following companies.
It’s important to note that these rates are averaged across all insureds and vehicles and do not take into consideration a specific vehicle garaging location for inexperienced drivers. So the company that fits your age and vehicle best may not even be in the top 21 companies in the list above. That is why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
For new drivers, one of the big criteria that are used to help calculate the amount you pay for auto insurance is your zip code. Areas with a lot of weather claims or more people are more likely to pay higher prices, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.
The following table shows the most expensive places in Florida for inexperienced drivers to purchase a policy in. Tampa makes the list at #10 with the yearly price of $2,532 for car insurance, which is around $211 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Hialeah | $3,595 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,241 |
| 4 | Miami Beach | $2,923 |
| 5 | Miramar | $2,709 |
| 6 | West Palm Beach | $2,625 |
| 7 | Fort Lauderdale | $2,576 |
| 8 | Hollywood | $2,552 |
| 9 | Pompano Beach | $2,543 |
| 10 | Tampa | $2,532 |
| 11 | Pembroke Pines | $2,505 |
| 12 | Coral Springs | $2,474 |
| 13 | Davie | $2,473 |
| 14 | Brandon | $2,368 |
| 15 | St. Petersburg | $2,196 |
| 16 | Clearwater | $2,194 |
| 17 | Spring Hill | $2,123 |
| 18 | Orlando | $2,029 |
| 19 | Jacksonville | $1,960 |
| 20 | Port St. Lucie | $1,916 |
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Prices are comparative as specific Tampa garaging address can alter coverage rates noticeably.
How to find a good Florida auto insurance company
Ending up with a high-quality company can be difficult considering how many companies sell insurance in Tampa. The company ratings shown next can help you analyze which coverage providers to look at when buying insurance for inexperienced drivers. These rankings only include companies that write coverage in many states, so companies that may only write in Florida will not be included in this list.
Top 10 Major Auto Insurers Overall in Tampa
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Get discounts on Tampa auto insurance rates
Insurers that offer coverage for inexperienced drivers may have discounts that can reduce rates by 30% or more if you are eligible to receive them. Large auto insurance companies and some of their more popular discounts are shown below.
- Esurance may include discounts for good driver, online quote, Switch & Save, safety device, and multi-policy.
- The Hartford may offer discounts for vehicle fuel type, air bag, anti-theft, bundle, good student, driver training, and defensive driver.
- AAA offers discounts for good driver, AAA membership discount, multi-policy, multi-car, pay-in-full, and good student.
- GEICO offers discounts including anti-lock brakes, defensive driver, daytime running lights, five-year accident-free, good student, and air bags.
- State Farm has savings for multiple policy, accident-free, passive restraint, safe vehicle, driver’s education, student away at school, and Steer Clear safe driver discount.
The information below illustrates the difference between insurance costs with and without discounts applied to the rates. The information is based on a female driver, no claims, a clean driving record, Florida state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, multiple vehicle, claim-free, homeowner, safe-driver, and vehicle safety discounts applied. When discounts are applied, the average amount saved each year on auto insurance for inexperienced drivers is 28% or $844.
Tips for buying low-cost car insurance for inexperienced drivers
Here are many money-saving solutions that can help you find cheaper coverage.
- Buy a car with high safety ratings
- Do not get tickets
- If possible, do not file small claims
- Prevent rate increases by staying accident-free
- Increase your credit rating
- Compare quotes from other companies often
That last idea is highly significant, as we discussed in the prior article. Rates in Tampa vary greatly, so drivers shouldn’t hesitate to buy a different policy if you can find a cheaper rate.
Sticking with a specific company is fine, but it isn’t a good idea if that dedication is costing money that could be going to better use. If you have a few minutes, now is a great time to shop around and find cheaper insurance for inexperienced drivers.
If you like to get some professional advice when buying car insurance for inexperienced drivers, the agents below are willing to aid you in deciding which insurance coverage you need.
To locate a Tampa insurance agent using an interactive map, click the link after the list or click here to get price quotes now.
- Rip Weachter Insurance Agency
4311 W El Prado Blvd – Tampa, FL 33629 – (813) 831-8889 - Allstate Insurance: Paul H. Phaneuf
3641 W Kennedy Blvd F – Tampa, FL 33609 – (813) 353-0303 - All Affordable Insurance Agency
7211 N Dale Mabry Hwy Suite 108 – Tampa, FL 33614 – (813) 935-5554 - Patricia Potts – State Farm Insurance Agent
4644 W Gandy Blvd #5 – Tampa, FL 33611 – (813) 286-3077