Nicknamed the 'Cigar City', Tampa is known for its warm climate and beachy lifestyle. While they do have public transportation downtown in the form of The TECO Line Streetcar, the majority of residents in Tampa get around town using their automobile. And if you're insuring your vehicle in the Tampa, FL area you'll be incurring one of the most expensive insurance rates in the state...second only to Jacksonville and Miami. The study we conducted shows the disparity between rates in different parts of the Tampa area. Depending on which part of town you live in and what company you decide to insure your car with, the insurance premiums can vary widely. Because of this we always recommend that consumer shop around for multiple quotes. Below you can begin shopping for your auto insurance by entering your zip code and finding the best rates in the Tampa area, or you can continue reading the study for a deeper look into the cost of car insurance in Tampa, FL.