For veterans, one of the largest criteria that are used to help calculate insurance cost is where your car is garaged in Tampa. Cities with larger populations will most likely pay more, whereas more rural areas profit from lower rates.
The next table rates the most expensive areas in Florida for veterans in which to buy car insurance. Tampa is listed at #10 with an annual rate of $2,558 for the average policy, which is about $213 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Hialeah | $3,630 |
| 2 | Miami | $3,273 |
| 3 | Miami Gardens | $3,245 |
| 4 | Miami Beach | $3,043 |
| 5 | West Palm Beach | $2,679 |
| 6 | Miramar | $2,629 |
| 7 | Pompano Beach | $2,620 |
| 8 | Hollywood | $2,604 |
| 9 | Fort Lauderdale | $2,576 |
| 10 | Tampa | $2,558 |
| 11 | Pembroke Pines | $2,505 |
| 12 | Coral Springs | $2,499 |
| 13 | Davie | $2,448 |
| 14 | Brandon | $2,368 |
| 15 | St. Petersburg | $2,196 |
| 16 | Clearwater | $2,194 |
| 17 | Spring Hill | $2,039 |
| 18 | Orlando | $2,008 |
| 19 | Port St. Lucie | $1,994 |
| 20 | Jacksonville | $1,960 |
| 21 | Cape Coral | $1,917 |
| 22 | Lakeland | $1,845 |
| 23 | Palm Bay | $1,786 |
| 24 | Tallahassee | $1,731 |
| 25 | Gainesville | $1,630 |
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Premium costs are estimated as the specific zip code location can increase or decrease price quotes substantially.
The car, truck, or SUV that needs insurance is one of the primary factors when trying to find the most affordable insurance for veterans. Vehicles with lots of speed or power, a lack of advanced safety features, or a history of substantial liability claims will cost quite a bit more to insure than more economical and safe models. The data below illustrates coverage costs for a number of the most economical vehicles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,756 |
| Ford F-150 FX2 Super Cab 2WD | $1,965 |
| Honda CR-V EX-L 2WD | $2,033 |
| Ford Focus SE 4-Dr Sedan | $2,036 |
| Ford Edge SE AWD | $2,045 |
| Toyota Prius | $2,138 |
| Ford Explorer XLT AWD | $2,150 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $2,156 |
| Toyota Corolla LE | $2,189 |
| Hyundai Sonata GLS 4-Dr Sedan | $2,224 |
| Nissan Rogue S AWD | $2,233 |
| GMC Sierra SLE Extended Cab 4WD | $2,230 |
| Volkswagen Jetta SE 4-Dr Sedan | $2,240 |
| Chevrolet Impala LS | $2,230 |
| Dodge Grand Caravan Hero | $2,275 |
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in Tampa, FL location which can change price quotes significantly.
Based upon the table data, you can infer that makes and models like the Ford Escape, Ford F-150, and Honda CR-V are going to be a few of the less-costly vehicles to insure for veterans.
The chart below highlights how deductible choice can impact yearly insurance costs when quoting cheap insurance for veterans. The rates are based on a single female driver, full physical damage coverage, and no discounts are factored in.
As shown above, a 50-year-old driver could lower their policy premium by $448 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $674 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old, could possibly save up to $1,148 every year by using a higher deductible. If you do make the decision to raise your deductibles, it will be important to have additional funds in a savings account to satisfy the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Best car insurance company in Florida
Finding the best company can be difficult considering how many different insurance companies sell coverage in Florida. The ranking data displayed below could help you choose which auto insurers to look at when comparing rate quotes.
The ratings below are only comprised of the largest auto insurers in America, so smaller companies that only insure vehicles in Florida are not factored into the list. To check rates from the most competitive companies in Florida, simply click here.
Top 10 Major Car Insurance Companies in Tampa Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Major Car Insurance Companies in Tampa Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
How to find low-cost insurance for veterans
It is possible to find better rates, and here are some of the better money-saving solutions that can help Florida drivers buy cheap auto insurance.
- Buy a car with high safety ratings
- Improve your credit rating
- Bundle home or renters insurance to earn a discount on car insurance
- Do not get into accidents
- Save money by only buying liability coverage for older vehicles
- Compare prices as often as possible
The last item on the list is notably important, as we stressed in the article above. Car insurance prices in Tampa fluctuate constantly, so drivers shouldn’t be resistant to switch carriers if a lower price can be found.
Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that devotion results in you overpaying money that could be spent on other things. If you have a few minutes, shop around and find cheaper auto insurance for veterans.