To register any vehicle in Florida, you must show proof of auto insurance that includes personal injury protection (PIP) and property damage liability. Auto insurance in Hillsborough County is among the highest in Florida. The average annual insurance premium in Florida is $2,219 making it the third most expensive state for insurance.
Car insurance rates can vary significantly. Each insurer uses a unique formula to determine a driver’s risk and overall premium. The average car insurance rates in Hillsborough County are based on quote data from the Florida Office of Insurance Regulation.
The quotes collected are based on an insurance policy that includes the following coverage:
$50,000 property damage liability
$25,000/$50,000 bodily injury liability
$10,000 personal injury protection (PIP)
$5,000 medical payments coverage
$250 deductible for comprehensive
$500 deductible for collision
$25,000/$50,000 uninsured motorist (non-stacked)
Compare Auto Insurance in Hillsborough County
In Florida, the minimum car insurance requirements for drivers are:
In 2018, there were 29,037 car crashes reported in Hillsborough County according to the Florida Department of Highway Safety and Motor Vehicles. Driving without enough coverage can put you at financial risk. A minor accident can end up costing thousands of dollars in repairs.
Collision insurance ensures you are covered if your vehicle needs replacing or repairs if it’s been involved in a collision accident. Comprehensive insurance, on the other hand, provides coverage for car theft, fire or hurricane damage (weather-related), or other types of losses.
In Hillsborough County, drivers must maintain insurance coverage throughout the registration period. Any lapse in insurance may result in the suspension of your Florida driver’s license/registration, plus a requirement to pay a reinstatement fee of up to $500.
GEICO is the most popular insurer among Squeeze users in Hillsborough County, followed by Progressive. See how it compares to the top auto insurance companies state-wide.
Rank
Auto Insurance Company
Market share in Florida
1
25.2%
2
18.3%
3
14.7%
4
9.3%
5
USAA
7.1%
See a complete list of auto insurance companies in Florida.
Hillsborough Fish Hawk Seffner Apollo Beach Gibsonton
Sun City Center
Balm Keystone Sydney Bloomingdale Lake Magdalene Tampa Brandon Lakeshore Temple Terrace Carrollwood Lithia Thonotosassa Cheval Lutz
Town ‘n’ Country
Citrus Park Mango University Clair-Mel City Northdale Valrico Dover Pebble Creek Westchase Durant Plant City Ybor City East Lake-Orient Park Riverview Egypt Lake-Leto Ruskin
Learn more about Hillsborough County and keep up with the latest news.
All quoted rates are from the Florida Office of Insurance Regulation's CHOICES rate comparison tool.
Quotes provided are based on the following driver profiles:
Single, female, age 25 with one sedan (Toyota Camry LE), one violation, one no-fault accident in the preceding 3 years, and driving an estimated 12,000 miles per year for work.
Married male (age 50) and female (age 55), plus one single male (age 20) and one single female (age 18). Two-car household driving for work and pleasure, no accidents or violations in the last 3 years. One car covers an estimated 12,000 miles per year; another car covers an estimated 8,000 miles per year. driving an estimated 6,000 miles per year for pleasure.
Married male (age 70) and female (age 65) with one sedan (Toyota Camry LE), no accidents or violations in the last 3 years, and driving an estimated 6,000 miles per year for pleasure.
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