Comparing the cheapest car insurance companies in Tampa, Florida can take hours. To help you save time, our team reviewed rate data from some of the top providers in the city.
Cheapest Car Insurance Companies in Tampa
|Cheapest Insurer||Driver Category|
|Liberty Mutual||Safe Drivers|
|USAA||Drivers in the Military|
|Esurance||Drivers Who Pay Their Premiums Upfront|
|Geico||Drivers with a DUI|
FAQs About Cheap Car Insurance in Tampa
What Are the Minimum Car Insurance Requirements in Tampa?
Motorists in Tampa must ensure their vehicles are covered up to the following limits:
• $10,000 in Property Damage Liability
• $10,000 in Personal Injury Protection
What Are the Penalties for Driving Without Auto Insurance in Tampa?
Home to two of the most prominent colleges in the state, Tampa is a hub for higher learning. If you’re nabbed driving with no insurance, you’ll receive a swift education on Florida’s traffic laws and court system.
For your first offense, you’ll receive a demerit in the form of a license suspension. To earn your way back into the state’s good graces, you’ll first have to purchase insurance meeting the coverage limits listed above. Additionally, you will have to fork over $150 in processing and administrative fees. Serial offenders may have to pay up to $500 for each offense.
Even if you avoid detection on the road, there’s no hiding from the state’s grading system. State authorities maintain an electronic database keeping tabs on all vehicles registered in Florida. If you miss a payment on your insurance or cancel your policy, your provider is required, by law, to inform the state that your car is no longer insured. You’ll have just a few days to renew your policy, purchase new coverage, or otherwise run the risk of losing your driving privileges for 1 to 3 years.
Do I Need Comprehensive Coverage in Tampa?
Comprehensive coverage will reimburse you for loss that was not the result of a collision. This can include damage caused by storms, hail, fires, vandalism, theft, and protests. In most parts of the country, this optional feature is unnecessary as the risk of these non-collision events is relatively low. However, for drivers living in Tampa, frequent storms can leave you footing the bill of expensive repairs. As a result, we recommend purchasing this type of insurance to ensure your bad luck doesn’t break the bank.
If you are financing or leasing your vehicle, you are required to purchase comprehensive coverage.
Why Does Tampa Require No-Fault Insurance?
In Florida, your insurer will pay for your medical bills related to injuries sustained in an accident regardless of who caused the collision. This is referred to as no-fault insurance. In cities such as Tampa, no-fault laws encourage auto insurance providers to offer policies at lower rates than many other parts of the country. However, if your limits fall short of footing the bill, you will have to dig into your own pockets to cover the remainder.