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Best Car Insurance Companies in Tampa, FL

Aug. 15, 2019, 8:17 p.m.

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. Our partners at ConsumerAffairs compared providers and found the best car insurance in Tampa based on policy coverage and reviews.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. WFTS may receive compensation from our partners. Learn more.

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#1
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Progressive

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(844) 332-2089
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Progressive
Progressive
Features
  • #1 motorcycle/RV insurer
  • Name Your Price tool
  • Snapshot Program
  • InsuraMatch carrier
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CALL INSURAMATCH FOR QUOTES*
(844) 332-2089
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#2
Liberty Mutual
Liberty Mutual
Features
  • International operations
  • 24/7 roadside assistance
  • 24/7 claims services
  • InsuraMatch carrier
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(844) 332-2089
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#3
The General
The General
Features
  • 50+ years of service
  • Underwritten policies
  • Purchase policy online
  • InsuraMatch carrier
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(844) 332-2089
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Professional Insurance Services
Professional Insurance Services
Features
  • Full-service agency
  • Independent agents
  • Locally owned
  • Affordable coverage rates
Location
3836 W. Humphrey St.
Tampa, FL 33614
(813) 963-6701
Atlantic Insurance
Atlantic Insurance
Features
  • 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
GEICO Insurance Agent: Dave Donoho
Features
  • 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
Direct Auto & Life Insurance
Features
  • 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
Allstate Insurancec Agent: John Fox
Features
  • 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
A. Kilbride Insurance
Features
  • 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
American Landmark Insurance
Features
  • 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
Adock-Adcock Insurance Agency
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • adcock-insurance.com
Location
315 W. Fletcher Ave.
Tampa, FL 33612
(813) 933-6691
Amica Insurance
Amica Insurance
Features
  • 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
Insurance Direct
Features
  • 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
Great Florida Insurance
Features
  • 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
Bruners Insurance of Eastlake
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • brunersinsurancefl.com
Location
6845 N. Dale Mabry Hwy.
Tampa, FL 33614
(813) 289-0019
Freeway Insurance
Freeway Insurance
Features
  • 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.

*InsuraMatch companies are in good standing with regulatory authorities, have been vetted and approved by InsuraMatch and are represented by InsuraMatch or its affiliates.

Progressive

Progressive

CALL INSURAMATCH FOR QUOTES*

(844) 332-2089

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.

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Liberty Mutual

Liberty Mutual

CALL INSURAMATCH FOR QUOTES*

(844) 332-2089

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.

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The General

The General

CALL INSURAMATCH FOR QUOTES*

(844) 332-2089

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.

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Professional Insurance Services

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.

Atlantic Insurance

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.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.