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Find the Best Car Insurance Companies in Tampa, FL

If you own and register a motor vehicle in Tampa, car insurance is legally required. It protects you financially if you’re in an accident or your car is damaged or stolen. Choosing the right insurance plan can be complicated, especially if you don’t know coverage requirements in Florida. We researched the best car insurance in Tampa based on policy coverage and reviews.

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EverQuote
  • Quotes from local agents and top car insurance companies
  • Compare the lowest rates
  • Fast and free for all driving records
  • Available in Tampa
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Progressive
  • #1 motorcycle/RV insurer
  • Name Your Price tool
  • Snapshot Program
  • Bundle plans & save
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Liberty Mutual
Overall satisfaction rating
  • International operations
  • 24/7 roadside assistance
  • 24/7 claims services
  • Accident forgiveness

Customizes car insurance so you pay only for what you need. Has add-ons for new vehicle replacement, accident forgiveness and deductible savings. Over 15 types of discounts. Use the app to get ID cards, pay a bill or file a claim.

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The General
  • 50+ years of service
  • Underwritten policies
  • Purchase policy online
  • Accepts drivers with a poor driving history
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Professional Insurance Services
  • Full-service agency
  • Independent agents
  • Locally owned
  • Affordable coverage rates
Location
3836 W. Humphrey St.
Tampa, FL 33614
(813) 963-6701
Atlantic Insurance
  • Full-service agency
  • Independent agents
  • Basic to full coverage
  • Young driver program
Location
3001 W. Waters Ave., Ste. A
Tampa, FL 33614
(813) 931-0050
GEICO Insurance Agent: Dave Donoho
  • M-F: 9am - 5:30pm
  • Sat: 9am - 1pm
  • Closed Sun
  • geico.com/insurance-agents/florida/tampa/dave-donoho/
Location
2703 W. Kennedy Blvd.
Tampa, FL 33609
(813) 259-1142
Direct Auto & Life Insurance
  • M-F: 9am - 5:30pm
  • Sat: 10am - 2pm
  • Closed Sun
  • local.directgeneral.com/florida/tampa
Location
9340 N. Florida Ave. Ste. B
Tampa, FL 33612
(813) 935-1037
Allstate Insurancec Agent: John Fox
  • M-Th: 8am - 5pm
  • Fri: 8:15am - 5pm
  • Closed Sat and Sun
  • agents.allstate.com/john-fox-tampa-fl.html
Location
4941 E. Busch Blvd., Ste. 150
Tampa, FL 33617
(813) 985-3889
A. Kilbride Insurance
  • M-F: 8:30am - 5:30pm
  • Sat - Sun: Open 24 hours
  • akilbride.com
Location
4501 N. Nebraska Ave.
Tampa, FL 33603
(813) 238-7467
American Landmark Insurance
  • M-F: 8:30am - 4:30pm
  • Closed Sat and Sun
  • americanlandmarkinsurance.com
Location
4229 W. Kennedy Blvd.
Tampa, FL 33609
(813) 289-2277
Adock-Adcock Insurance Agency
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • adcock-insurance.com
Location
315 W. Fletcher Ave.
Tampa, FL 33612
(813) 933-6691
Amica Insurance
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • insurance.amica.com/tampa
Location
3109 W. Dr. Martin Luther King Jr. Blvd., Ste. 550
Tampa, FL 33607
(800) 672-6422
Insurance Direct
  • M-F: 9am - 6pm
  • Sat: 10am - 4pm
  • Closed Sun
  • ainsurancedirect.com
Location
2800 N. Macdill Ave., Ste. B
Tampa, FL 33607
(813) 849-7000
Great Florida Insurance
  • M-F: 9am - 5pm
  • Sat: 10am - 5pm
  • Closed Sun
  • tampa2.greatflorida.com
Location
1719 W. Fletcher Ave.
Tampa, FL 33612
(813) 849-0125
Bruners Insurance of Eastlake
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • brunersinsurancefl.com
Location
6845 N. Dale Mabry Hwy.
Tampa, FL 33614
(813) 289-0019
Freeway Insurance
  • M-F: 9am - 5:30pm
  • Sat: 9am - 1pm
  • Closed Sun
  • freewayinsurance.com
Location
1036 W. Hillsborough Ave.
Tampa, FL 33603
(813) 534-7547

How to choose a car insurance company in Tampa

woman paying bills

Tampa is home to several universities, a military base and a healthy population of snowbirds, or people who spend the winters here and the summers elsewhere. It can be confusing where you should register and insure your car. If your vehicle is registered in Florida, it must be insured in Florida. When you choose an insurance company, select a Tampa auto insurance company that has experience with your specific situation.

In Florida, the average cost of car insurance is $1,823 per year. Rates vary from city to city. The cost of auto insurance in Tampa is a little lower than the state average. The highest auto insurance rates are in neighborhoods closer to downtown Tampa, including Ybor and Seminole Heights. More suburban communities like Brandon are a bit cheaper. The averages below are based on a 40-year-old male driver who buys liability car insurance only.

The cost of Tampa car insurance depends on several different things, including:

  • Type of insurance purchased
  • Your personal driving record
  • Annual miles driven
  • Make and model of vehicle to be insured
Neighborhood - ZIP Average Annual Premium
Northdale - 33624 $1,242
Brandon - 33510 $1,135
Ybor - 33605 $1,376
Temple Terrace - 33637 $1,255
Seminole Heights - 33604 $1,362

The Florida Motor Vehicle No-Fault Law requires all Tampa car owners to have at least $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability (PDL) coverage. If you let your coverage lapse or drive without it, the Florida Department of Highway Safety and Motor Vehicles can suspend your license and registration until you provide proof of coverage.

The state does not require Uninsured Motorist (UM) coverage. However, driver beware, Florida has the highest rate of drivers with no insurance. A study by the Insurance Research Council showed that 13 percent of motorists nationwide are uninsured. In Florida, the percentage of uninsured is more than double the national average. Tampa drivers need protection. Talk to your insurance agent about this coverage when discussing your policy options.

Tampa Car Insurance Reviews

Progressive

Tampa is Progressive’s second largest office nationwide, and dozens of Progressive insurance agents are around the city to help you find the best car insurance for your budget. Talk to a Progressive representative about the coverage amounts that are right for you, and get a quote online or over the phone.

Progressive

Liberty Mutual

Liberty Mutual offers auto insurance to Tampa drivers as well as other insurance products. Their mobile app and online resources can help you do everything from monitor the air pressure in your tires to buy a new car. Customers like using their online portals to manage policies and file claims.

Liberty Mutual

The General

The General is highly rated for affordable car insurance in Tampa, and being quick to provide coverage. When you buy a car in Tampa, you won’t be able to drive it until you are insured, and The General gives you proof of coverage within minutes of buying a policy.

The General

Professional Insurance Services

Professional Insurance Services is an agency in Tampa that can help you choose the right auto insurance. The staff takes time to explain what each part of your policy means, and what the latest insurance regulations and laws are. The company participates in the community and hosts fundraisers for local Tampa causes.

Professional Insurance Services

Atlantic Insurance

Atlantic Insurance helps Tampa drivers find affordable plans, even if they’re young drivers, older drivers or those with a DUI on their record. Based in Tampa, Atlantic Insurance gets you an online quote within minutes for your automobile, motorcycle, recreational vehicle, boat or watercraft.

Atlantic Insurance