Auto Insurance in Tampa (33609)
Florida · Below Average · 36th percentile statewide
Carrier Rates in 33609
6-month premiums from SERFF rate filings. Standard driver profile.
How 33609 Compares
Tampa (33609) is below average for auto insurance in Florida, ranking in the 36th percentile.
The cheapest carrier is GEICO at $468/6mo — 47% less than the most expensive (State Farm at $876).
The median premium of $579 is 12% below the Florida statewide median of $658.
Frequently Asked Questions
How much is auto insurance in Tampa (33609)?
The median 6-month premium in Tampa (33609) is $579 across 5 carriers. Premiums range from $468 to $876, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 33609?
GEICO offers the lowest rate in 33609 at $468/6mo. That's 47% less than the most expensive option (State Farm at $876/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 33609?
Auto insurance rates in Tampa (33609) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Tampa ranks in the 36th percentile statewide, meaning it's below average 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 33609?
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.