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Auto Insurance in Florida - Hillsborough County

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Cara Pace
January 1, 2020

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.

Car insurance in Hillsborough County

The average annual premium for car insurance for a single, female driver


The average annual premium for car insurance for a family with young drivers


The average annual premium for car insurance for a senior married couple


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

Hillsborough County facts

  • Population 1.44 million
  • Median household income $56,137
  • Average commute time 27.8 minutes
  • Average number of cars per household 2 cars

Florida car insurance requirements

In Florida, the minimum car insurance requirements for drivers are:

  • $10,000 bodily injury per person, per accident
  • $20,000 bodily injury for all persons, per accident
  • $10,000 property damage liability
  • $10,000 personal injury protection (PIP)

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.

>>RELATED: Florida driving statistics

Top 5 auto insurance companies in Florida 

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. 


Auto Insurance Company

Market share in Florida


Berkshire Hathaway (GEICO)






State Farm








See a complete list of auto insurance companies in Florida

See how Hillsborough County's auto insurance rates compare to those in Orange County and Palm Beach County.

Compare Auto Insurance

List of cities in Hillsborough County

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.