Cheap Auto Insurance Quotes in Tampa, FL (2022)

Some advice about battling Tampa traffic: don’t get stuck in rush hour traffic, and avoid Hillsborough Ave and popular I-275 exits. Another thing you should avoid while driving Tampa city streets is finding yourself without the right car insurance.

If only it was that easy to know what car insurance to buy. Tampanian’s know they have to have it, but sifting through so many options can be such a headache. And who has time for all that anyways? Finding the best insurance option quickly is this beachtown’s go-to solution for getting back on the road safely.

Car Insurance in Tampa, FL

The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Tampa, FL to find you the cheapest quotes in the area.

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• Cheap Car Insurance Florida

• Compare Car Insurance

Cheapest Car Insurance in Tampa, FL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Tampa, FL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Tampa. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Florida

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Florida^[1] are:

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. Florida is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Tampa Car Insurance Rates by Driver Age

While the Tampa sun may be great for younger people to enjoy, the same can’t be said for their car insurance rates. Young drivers tend to pay around $862 for insurance and as they reach their 20s and 30s, this rate falls to just about half of that. Rates usually level out for Tampa motorists once they hit 40, with small declines in price as they get older. Most residents here in their 80s don’t drive much, leading to premiums of $352 for this age range.

Tampa Car Insurance Rates by Driving and Accident History

The idea of getting into a car accident in Tampa is scary on a lot of levels, but one thing drivers here are often worried about is the effect it will have on their car insurance premiums. Compared to the $398 rate of those with a clean driving history, Tampa drivers who cause an accident will see an increase of less than $100. Failing to stop at a stop sign and speeding will change premium prices to $390 and $443, respectively.

See More:

• High-risk Car Insurance Florida

• DUI Car Insurance Florida

Tampa Car Insurance Rates by Credit Tier

It’s smart to pay attention to your credit score, as you can often save a lot of money with great credit; however, in Tampa, that’s not necessarily a huge factor in car insurance rates. Drivers with poor credit pay $438, while boosting your score to the average level only saves about $15. Motorists can reduce their rate by another $15 when they move into the good tier, and finally, those with excellent credit can expect to pay around $370 a month.

See More: Bad Credit Car Insurance Florida

Find local Tampa agents

Tampa, FL DMV Information

Like many DMVs across the country, Tampa’s locations offer driver’s license services and registration services at different facilities—though some places offer both. Locations are spread across Tampa and nearby locations—with five service centers in Tampa and others about a half hour away in Brandon, Plant City, and Ruskin. In-house services are going to mean some standing in line. If you don’t want that, there are plenty of things you can accomplish by using your computer or cell phone. With the state’s MyFlorida app, you can renew your vehicle or watercraft registration while you are walking around—in minutes. Equally as fast is taking care of your DMV transactions through their online web portal GoRenew.com.

Public Transportation in Tampa, FL

There’s so much to see and do in Tampa, you won’t want to be caught without a ride to your next destination. You can get around by bus, rail, and even streetcar in this amazing town. Whether you are going downtown or headed directly to the waterfront, you can pick up the Hart bus downtown, explore Tampa’s urban center on the TECO line streetcar, or head to Tampa Union Station to catch Amtrak. Union Station is also a point of historic interest and an event center. Bikers and scooter enthusiasts aren’t without options here either. Although scooter vendors are shrinking, plenty of businesses have wheels at the ready, including Coast Bikes, Jump, and Spin.

For more detailed Florida city level guides, check out these below.

• Average Cost of Car Insurance Rates in Florida

• DUI Car Insurance Rates in Florida

• High-Risk Driver Car Insurance Rates in Florida

• Florida Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Florida

How to get the best and cheapest car insurance in Tampa, FL

It’s a busy place, Tampa. But worth it for all the fun in the sun, nightlife, and good times it offers. What’s not a good time in Florida? Being pulled over without your seat belt on or, worse yet, without insurance coverage.

Would you rather be sifting through the sand than pouring over insurance company details one vendor at a time? Insurify takes the drudgery out of insurance shopping by getting you to the 10 best insurance quotes right away instead of keeping you on the phone with insurance agent after insurance agent.

FAQs - Tampa, FL Car Insurance