Hillsborough County Auto Insurance Guide
Real rates, coverage trends and carrier insights from first-party quotes collected in Hillsborough County, FL. Serving Tampa, Brandon, Apollo Beach, Riverview, Plant City and surrounding communities.
Get your Hillsborough County quote now Call (888) 445-2793
About this data
A Plus Insurance is a licensed independent brokerage serving Florida. Every rate on this page comes from real people we quoted and sold coverage to — not modeled estimates or public filings. We compare 8+ carriers to find the best fit for your driver profile.
Hillsborough County at a Glance (Our Data)
Average Monthly Premium
$200
All coverages (median $173 — Tampa’s urban market drives higher average rates)
Motorcycle Share
25.0%
Motorcycle policies at $102/mo avg — Florida’s year-round riding climate shows clearly
Liability Only Avg
$173
Auto-Liability is 37.5% of quotes
Rate Range
$18–$593
Observed monthly range across all policy types
Drivers searching for cheap car insurance Tampa FL, auto insurance Hillsborough County Florida, car insurance Brandon FL, or motorcycle insurance Tampa Florida will find Hillsborough County is one of Florida’s more active insurance markets. Whether you need liability insurance Tampa FL, full coverage Brandon FL, or SR22 insurance Hillsborough County, we serve all of Hillsborough County. See our Florida insurance guide.
Average monthly auto insurance rate by state
- Pricing ranges from $158.90 (FL) to $158.90 (FL) ... a spread of $0.00.
- Based on real auto insurance quotes grouped into 1 company results, the average across this view is $158.90. The spread is about 0% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2141 | 19pITJxvZVJfPZj70mBFs8qcF0EuGo4U | 2026-04-07 | FL | Sun City Center | 33573 | 2017 | Hyundai | Elantra Sport | unknown | unknown | full_coverage | Progressive | 107.00 | 0 | 0 | 0 | |
| 2061 | 1euRYHA22Lyu6wI8XGQiOmmegNqvPOKE | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | female | unknown | full_coverage | Progressive | 190.33 | 0 | 0 | 0 |
| 2057 | 1wvezp0csPczd3K0OQgOg75A0iRjXQxa | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | unknown | unknown | full_coverage | Progressive | 190.33 | 0 | 1 | 0 |
| 1873 | 1BpG4zhwBpphvVQw5f4p2nzPn5C2w8Td | 2026-03-16 | FL | Miami | 33125 | unknown | unknown | full_coverage | Progressive | 247.99 | 0 | 0 | 0 | ||||
| 1790 | 20260316-091952-2566 | 2026-03-16 | FL | MIAMI | 33125 | 2015 | TOYOTA | COROLLA L | 28 | male | single | full_coverage | Progressive POP | 230.01 | 1 | 0 | 0 |
| 1670 | 20260305-1009-0882 | 2026-03-05 | FL | DELTONA | 32738 | 2006 | HONDA | ACCORD EX | 30 | male | single | liability_only | AssuranceAmerica Economy MobileMax | 178.80 | 3 | 0 | 0 |
| 1669 | 20260303-1010-0571 | 2026-03-03 | FL | SILVER SPRINGS | 34488 | 2002 | TOYOTA | HIGHLANDER LIMITED | 40 | male | single | liability_only | Progressive | 94.67 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1520 | 20260217-100205-0839 | 2026-02-17 | FL | ORLANDO | 32805 | 2019 | NISSAN | SENTRA S | 46 | female | single | liability_only | Progressive POP | 85.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2005 | MERCEDES BENZ | SL500 | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2024 | GMC | SIERRA K1500 DENALI | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1439 | 20260206-1044-2021 | 2026-02-06 | FL | UMATILLA | 32784 | 2017 | SUBARU | FORESTER 2.5I TOURIN | 23 | female | single | full_coverage | AssuranceAmerica Economy MobileMax | 277.60 | 0 | 0 | 0 |
| 1438 | 20251231-113303-0517 | 2025-12-31 | FL | FORT WALTON BEACH | 32548 | 2022 | KIA | TELLURIDE EX | 56 | male | single | full_coverage | AssuranceAmerica Economy MobileMax | 253.66 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
Coverage Type Breakdown – Hillsborough County
Hillsborough County’s motorcycle share of 25% is among the highest in our dataset — Florida’s warm climate supports year-round riding. Full coverage here averages $405/mo, the highest in our Florida data, reflecting Tampa’s higher vehicle values and claim costs.
| Coverage Type | % of Quotes | Avg Monthly |
|---|---|---|
| Auto-Liability | 37.5% | $173 |
| Auto-Full | 25.0% | $405 |
| Motorcycle | 25.0% | $102 |
| Non-Owners | 12.5% | $72 |
Liability only vs full coverage by company
AssuranceAmerica
Progressive
(from TurboRater)
Across these carriers, liability only averages $163.11 per month, while full coverage averages $171.50. The largest gap in this view is $86.83 for AssuranceAmerica.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2141 | 19pITJxvZVJfPZj70mBFs8qcF0EuGo4U | 2026-04-07 | FL | Sun City Center | 33573 | 2017 | Hyundai | Elantra Sport | unknown | unknown | full_coverage | Progressive | 107.00 | 0 | 0 | 0 | |
| 2061 | 1euRYHA22Lyu6wI8XGQiOmmegNqvPOKE | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | female | unknown | full_coverage | Progressive | 190.33 | 0 | 0 | 0 |
| 2057 | 1wvezp0csPczd3K0OQgOg75A0iRjXQxa | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | unknown | unknown | full_coverage | Progressive | 190.33 | 0 | 1 | 0 |
| 1873 | 1BpG4zhwBpphvVQw5f4p2nzPn5C2w8Td | 2026-03-16 | FL | Miami | 33125 | unknown | unknown | full_coverage | Progressive | 247.99 | 0 | 0 | 0 | ||||
| 1790 | 20260316-091952-2566 | 2026-03-16 | FL | MIAMI | 33125 | 2015 | TOYOTA | COROLLA L | 28 | male | single | full_coverage | Progressive POP | 230.01 | 1 | 0 | 0 |
| 1670 | 20260305-1009-0882 | 2026-03-05 | FL | DELTONA | 32738 | 2006 | HONDA | ACCORD EX | 30 | male | single | liability_only | AssuranceAmerica Economy MobileMax | 178.80 | 3 | 0 | 0 |
| 1669 | 20260303-1010-0571 | 2026-03-03 | FL | SILVER SPRINGS | 34488 | 2002 | TOYOTA | HIGHLANDER LIMITED | 40 | male | single | liability_only | Progressive | 94.67 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1520 | 20260217-100205-0839 | 2026-02-17 | FL | ORLANDO | 32805 | 2019 | NISSAN | SENTRA S | 46 | female | single | liability_only | Progressive POP | 85.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2005 | MERCEDES BENZ | SL500 | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2024 | GMC | SIERRA K1500 DENALI | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1439 | 20260206-1044-2021 | 2026-02-06 | FL | UMATILLA | 32784 | 2017 | SUBARU | FORESTER 2.5I TOURIN | 23 | female | single | full_coverage | AssuranceAmerica Economy MobileMax | 277.60 | 0 | 0 | 0 |
| 1438 | 20251231-113303-0517 | 2025-12-31 | FL | FORT WALTON BEACH | 32548 | 2022 | KIA | TELLURIDE EX | 56 | male | single | full_coverage | AssuranceAmerica Economy MobileMax | 253.66 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
Premium Distribution – Hillsborough County
Auto-related policies only. Apr 2024 – Apr 2026.
Key stats: Median ~$173/mo; average ~$200/mo; observed range $18–$593/mo.
Average Rates by Carrier – Hillsborough County
Progressive dominates our Hillsborough County sample covering nearly all policies. National General serves the non-owner segment.
A Plus Insurance is an appointed independent agent for Progressive insurance — we can quote you Progressive alongside 8 other carriers to make sure you’re getting the best available rate.
| Company | Avg Monthly Premium |
|---|---|
| National General | $72 |
| Progressive | $219 |
See what Tampa and Hillsborough County drivers are actually paying.
Get your Hillsborough County quote now Call (888) 445-2793Cheapest auto insurance companies
- Pricing ranges from $87.84 ((from TurboRater)) to $236.69 (AssuranceAmerica Economy MobileMax) ... a spread of $148.85.
- Based on real auto insurance quotes grouped into 3 company results, the average across this view is $159.69. The spread is about 169% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2141 | 19pITJxvZVJfPZj70mBFs8qcF0EuGo4U | 2026-04-07 | FL | Sun City Center | 33573 | 2017 | Hyundai | Elantra Sport | unknown | unknown | full_coverage | Progressive | 107.00 | 0 | 0 | 0 | |
| 2061 | 1euRYHA22Lyu6wI8XGQiOmmegNqvPOKE | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | female | unknown | full_coverage | Progressive | 190.33 | 0 | 0 | 0 |
| 2057 | 1wvezp0csPczd3K0OQgOg75A0iRjXQxa | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | unknown | unknown | full_coverage | Progressive | 190.33 | 0 | 1 | 0 |
| 1873 | 1BpG4zhwBpphvVQw5f4p2nzPn5C2w8Td | 2026-03-16 | FL | Miami | 33125 | unknown | unknown | full_coverage | Progressive | 247.99 | 0 | 0 | 0 | ||||
| 1790 | 20260316-091952-2566 | 2026-03-16 | FL | MIAMI | 33125 | 2015 | TOYOTA | COROLLA L | 28 | male | single | full_coverage | Progressive POP | 230.01 | 1 | 0 | 0 |
| 1670 | 20260305-1009-0882 | 2026-03-05 | FL | DELTONA | 32738 | 2006 | HONDA | ACCORD EX | 30 | male | single | liability_only | AssuranceAmerica Economy MobileMax | 178.80 | 3 | 0 | 0 |
| 1669 | 20260303-1010-0571 | 2026-03-03 | FL | SILVER SPRINGS | 34488 | 2002 | TOYOTA | HIGHLANDER LIMITED | 40 | male | single | liability_only | Progressive | 94.67 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1520 | 20260217-100205-0839 | 2026-02-17 | FL | ORLANDO | 32805 | 2019 | NISSAN | SENTRA S | 46 | female | single | liability_only | Progressive POP | 85.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2005 | MERCEDES BENZ | SL500 | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2024 | GMC | SIERRA K1500 DENALI | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1439 | 20260206-1044-2021 | 2026-02-06 | FL | UMATILLA | 32784 | 2017 | SUBARU | FORESTER 2.5I TOURIN | 23 | female | single | full_coverage | AssuranceAmerica Economy MobileMax | 277.60 | 0 | 0 | 0 |
| 1438 | 20251231-113303-0517 | 2025-12-31 | FL | FORT WALTON BEACH | 32548 | 2022 | KIA | TELLURIDE EX | 56 | male | single | full_coverage | AssuranceAmerica Economy MobileMax | 253.66 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
ZIP Code Variation – Hillsborough County
| ZIP Code | Area | Quote Count | Avg Monthly |
|---|---|---|---|
| 33617 | Tampa | 3 | $173 |
| 33572 | Apollo Beach | 1 | $216 |
Tampa (33617) averaged $173/mo across liability policies. Apollo Beach (33572) averaged $216/mo. Note: our Hillsborough sample is smaller — use these as directional context while getting a fresh quote for your specific ZIP and profile.
We serve all of Hillsborough County including Tampa, Brandon, Riverview, Plant City, Apollo Beach, Seffner, Temple Terrace, Gibsonton, and surrounding communities. For non-owner insurance options see learnandserve.org/non-owners-insurance-florida/ and for SR22 needs see learnandserve.org/insurance-florida/sr22-insurance-florida/.
Florida / Hillsborough County Minimum Requirements
| Coverage | Minimum | Covers |
|---|---|---|
| Personal Injury Protection (PIP) | $10,000 | Your own medical expenses regardless of fault |
| Property Damage Liability | $10,000 | Damage you cause to others’ property |
Florida is a no-fault state requiring PIP ($10k) and Property Damage Liability ($10k). Florida does not require bodily injury liability. However, many drivers add BI coverage for better protection, especially in the Tampa metro where accident rates are high.
Our Data Methodology
All insights on this page come from first-party quotes collected by our licensed brokerage in Hillsborough County from April 2024 through April 2026. Quotes reflect real shoppers — no simulated or public filing data. All data is aggregated and anonymized.
Why this matters: These numbers reflect what Hillsborough County shoppers were actually quoted through our brokerage — not national averages or estimates. A Plus Insurance is a licensed independent brokerage — not a carrier. We compare multiple companies to find the best rate for your specific driver profile.
Hillsborough County Auto Insurance FAQs
What is the average cost of car insurance in Hillsborough County?
From our Hillsborough County data (Apr 2024–Apr 2026): the average is about $200/month and the median is about $173/month. Liability-only averages $173/mo, full coverage $405/mo, and motorcycle policies $102/mo.
What does Florida no-fault insurance mean for Hillsborough County drivers?
Florida is a no-fault state, meaning your own PIP coverage pays your medical bills after an accident regardless of fault. Florida requires minimum PIP of $10,000 and Property Damage Liability of $10,000. Florida does not require bodily injury liability, though many drivers add it for better protection.
Which company is cheapest in Hillsborough County?
In our data, National General averaged $72/mo for non-owner policies and Progressive averaged $219/mo across a broader range of policy types. Your cheapest option depends heavily on your coverage type, driving record, and vehicle.
Is motorcycle insurance available in Hillsborough County?
Yes. Motorcycle policies represent 25% of our Hillsborough County quotes — one of the highest motorcycle shares in our entire dataset, reflecting Florida’s year-round riding climate. Motorcycle insurance averaged $102/mo in our data.
Can I get SR22 insurance in Tampa?
Yes. We file SR22 certificates for Hillsborough County drivers across Tampa, Brandon, Riverview, Plant City, and surrounding areas. See our Florida SR22 guide.
Do you serve Brandon, Plant City, and Riverview?
Yes. We serve all of Hillsborough County by phone or online — no in-person visit required.
How often should I shop for car insurance in Hillsborough County?
Every 6–12 months. Florida’s insurance market is highly competitive and rates change frequently. Our Hillsborough data ranged from $17.50 to $593.34/mo, confirming that carrier selection makes a major difference.
Get your Hillsborough County quote — real data, real carriers
We are a licensed brokerage — not a carrier. Every data point on this page came from a real person we quoted or sold coverage to in Hillsborough County. We compare multiple carriers at once to get you the best rate for your profile.
Get your Hillsborough County quote nowOr call 888-445-2793
Brian Muse
Customer Service Representative
Customer Service Representative specializing in billing support, document processing, and policy account management.
Brian assists clients with policy questions, coverage updates, and general account support to help keep their insurance in good standing.
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