Auto Insurance in Tampa (33603)
Florida · Expensive · 81th percentile statewide
Carrier Rates in 33603
6-month premiums from SERFF rate filings. Standard driver profile.
How 33603 Compares
Tampa (33603) is expensive for auto insurance in Florida, ranking in the 81th percentile.
The cheapest carrier is USAA at $505/6mo — 48% less than the most expensive (State Farm at $968).
The median premium of $618 is 6% below the Florida statewide median of $658.
Frequently Asked Questions
How much is auto insurance in Tampa (33603)?
The median 6-month premium in Tampa (33603) is $618 across 5 carriers. Premiums range from $505 to $968, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 33603?
USAA offers the lowest rate in 33603 at $505/6mo. That's 48% less than the most expensive option (State Farm at $968/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 33603?
Auto insurance rates in Tampa (33603) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Tampa ranks in the 81th percentile statewide, meaning it's expensive compared to other Florida ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Florida
Want full rate data for 33603?
Access ZIP-level rate data across all 5 carriers, 397 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.