Best Tampa, Florida Auto Insurance in 2024 (Check Out the Top 10 Companies)
Amica, Travelers, and Allstate are top providers of the best Tampa, Florida auto insurance, offering rates as low as $48 per month. Amica is known for its dependable service, Travelers excels with a variety of discounts, and Allstate stands out for its customizable policies.
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Kristen Gryglik
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Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Oct 30, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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11,413 reviewsThe top overall picks for the best Tampa, Florida auto insurance are Amica, Travelers, and Allstate, with rates starting as low as $48 per month. Amica is widely recognized for its flexible coverage options, making it easy for drivers to customize policies to their unique needs.
Travelers stands out by offering attractive discounts through policy bundling, helping customers save on multiple types of insurance. Allstate takes the lead with its usage-based insurance (UBI) program, offering significant savings based on safe driving habits.
Our Top 10 Company Picks: Best Tampa, Florida Auto Insurance
| Company | Rank | Bundling Discounts | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 11% | A++ | Coverage Flexibility | Amica |
 | #2 | 9% | A++ | Bundling Policies | Travelers |
 | #3 | 10% | A+ | UBI Savings | Allstate |
 | #4 | 11% | A | Claims Service | American Family |
 | #5 | 10% | A+ | Online Management | Progressive |
 | #6 | 8% | A+ | Vanishing Deductible | Nationwide |
 | #7 | 7% | A | Discount Availability | Safeco |
 | #8 | 9% | A++ | Competitive Rates | Geico |
 | #9 | 13% | A | Multi-Policy Discounts | Liberty Mutual |
 | #10 | 12% | B | Financial Strength | State Farm |
Together, these cheapest auto insurance companies provide a range of comprehensive car insurance solutions tailored to drivers in Tampa, Florida.
Find the cheapest car insurance rates easily. Simply enter your ZIP code into our free quote tool above to discover the best policy for your needs.
- Discover the best Tampa, Florida auto insurance options starting at $48/month
- Amica is the top pick, offering flexible coverage and dependable service
- Save with discounts, policy bundling, and usage-based options
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#1 – Amica: Top Overall Pick
Pros
Pros- Customer Service Excellence: Amica’s commitment to customer service makes it a top contender for the best auto insurance in Tampa, Florida. It offers excellent support.
- Comprehensive Coverage Options: This company offers various coverage options, including roadside assistance, which is ideal for securing the best auto insurance in Tampa, Florida.
- Discounts for Loyalty: Their significant discounts for long-term customers enhance their appeal as the best auto insurance option in Tampa, Florida. Read more on Amica’s auto insurance review.
Cons
- Higher Premiums: Amica’s premiums may be higher than those of some competitors, potentially affecting its status as the best auto insurance in Tampa, Florida, for budget-conscious drivers.
- Limited Availability: The insurer’s regional limitations might affect its accessibility for those seeking the best auto insurance in Tampa, Florida.
#2 – Travelers: Best for Bundling Policies
Pros
Pros- Multi-Policy Discounts: Travelers’ substantial savings for bundled policies make it a strong choice for the best Tampa, Florida, auto insurance.
- Flexible Coverage Options: The wide range of coverage options caters well to diverse needs, making it a contender for the best auto insurance in Tampa, Florida.
- Good Financial Stability: Its robust financial ratings contribute to its reputation as the best auto insurance provider in Tampa, Florida. Learn more in our Travelers auto insurance review.
Cons
- Complex Pricing: The complexity of their pricing structure might detract from its appeal as the best auto insurance in Tampa, Florida, for some consumers.
- Mixed Customer Service Reviews: Inconsistent customer service can impact its standing as the best auto insurance option in Tampa, Florida.
#3 – Allstate: Best for UBI Savings
Pros
Pros- Usage-Based Insurance (UBI): Allstate’s Drivewise program offers notable discounts for safe driving, enhancing its position as the best Tampa, Florida auto insurance for safe drivers.
- Wide Range of Discounts: Multiple discount opportunities make Allstate a viable option for the best Tampa, Florida auto insurance. Read it more in our Allstate auto insurance review.
- Extensive Network: Their large network of local agents provides convenient access, supporting its status as the best auto insurance in Tampa, Florida.
Cons
- Higher Rates for Some Drivers: Some drivers may find Allstate’s rates less competitive, which could affect its perception as the best auto insurance in Tampa, Florida.
- Claims Process: Some users report a slower claims process, which may impact its reputation as the best auto insurance in Tampa, Florida.
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#4 – American Family: Best for Claims Service
Pros
Pros- Excellent Claims Service: Known for its superior claims handling, it is a top choice for the best auto insurance in Tampa, Florida. Read more on American family auto insurance review.
- Comprehensive Coverage Options: This company offers various coverage options, ensuring flexibility for those seeking the best auto insurance in Tampa, Florida.
- Robust Customer Support: Reliable customer service reinforces its position as a leading option for the best auto insurance in Tampa, Florida.
Cons
- Limited Discounts: Fewer discount opportunities might affect its competitiveness as the best auto insurance in Tampa, Florida.
- Premium Costs: Higher premiums could make it less attractive compared to other contenders for the best auto insurance in Tampa, Florida.
#5 – Progressive: Best for Online Management
Pros
Pros- Easy Online Management: Progressive’s user-friendly app and online tools make it a convenient choice for the best auto insurance in Tampa, Florida.
- Competitive Rates: Known for competitive pricing, it offers a substantial value for the best auto insurance in Tampa, Florida.
- Snapshot Program: The Snapshot program for monitoring driving habits provides potential savings, enhancing its appeal as the best Tampa, Florida auto insurance.
Cons
- Variable Customer Service: Inconsistent customer service experiences may detract from its status as the best auto insurance. Learn more in our Progressive auto insurance review.
- Policy Complexity: The range of coverage options can be overwhelming, affecting its standing as the best auto insurance in Tampa, Florida, for some consumers.
#6 – Nationwide: Best for Vanishing Deductible
Pros
Pros- Vanishing Deductible Program: This program offers a decreasing deductible for safe driving, adding value as the best Tampa, Florida auto insurance option.
- Comprehensive Coverage: Wide coverage options, including accident forgiveness, make it a strong candidate for the best auto insurance in Tampa, Florida.
- Vital Customer Service: Reliable customer service reinforces its reputation as the best auto insurance provider in Tampa, Florida. See our Nationwide auto insurance review for more details.
Cons
- Premiums May Be Higher: Higher rates might affect its competitiveness as the best Tampa, Florida auto insurance.
- Limited Local Presence: Fewer local agents could make it less accessible for those seeking the best Tampa, Florida auto insurance.
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#7 – Safeco: Best for Discount Availability
Pros
Pros- Numerous Discounts: Safeco offers a wide range of discounts, including those for safe driving and bundling, making it a top option for the best Tampa, Florida, auto insurance.
- Flexible Coverage Options: Customizable coverage plans enhance its appeal as the best auto insurance in Tampa, Florida. Learn more in our Safeco auto insurance review.
- Good Claims Handling: Generally positive reviews for claims processing support its status as the best Tampa, Florida auto insurance.
Cons
- Average Pricing: While competitive, Safeco’s rates may not be the lowest, potentially impacting its standing as the best auto insurance in Tampa, Florida.
- Inconsistent Service: Reports of inconsistent service quality could affect its reputation as the best auto insurance provider in Tampa, Florida.
#8 – Geico: Best for Competitive Rates
Pros
Pros- Low Premiums: Geico’s competitive rates make it an attractive choice for the best auto insurance in Tampa, Florida. Learn more about it in our Geico auto insurance review.
- Wide Range of Discounts: Offers multiple discounts, including for military personnel and sound drivers, enhancing its appeal as the best Tampa, Florida auto insurance.
- Efficient Online Tools: The user-friendly app and website facilitate easy policy management, supporting its status as the best auto insurance in Tampa, Florida.
Cons
- Customer Service Variability: Mixed customer service experiences may detract from its reputation as the best auto insurance in Tampa, Florida.
- Limited Personal Interaction: The lack of personal touch compared to local agents could impact its appeal as the best Tampa, Florida auto insurance.
#9 – Liberty Mutual: Best for Multi-Policy Discounts
Pros
Pros- Multi-Policy Discounts: Significant savings for bundling policies make Liberty Mutual a strong option for the best Tampa, Florida, auto insurance.
- Customizable Coverage: Offers a variety of customizable coverage options, enhancing its appeal as the best Tampa, Florida auto insurance.
- Accident Forgiveness: Liberty Mutual provides accident forgiveness, adding value to its offerings as the best Tampa, Florida auto insurance. Read more in our Liberty Mutual auto insurance review.
Cons
- Complex Pricing Structure: The multi-policy discounts can make pricing complicated, potentially affecting its status as the best Tampa, Florida auto insurance.
- Inconsistent Claims Experience: Mixed experiences with claims processing may impact its reputation as the best auto insurance provider in Tampa, Florida.
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#10 – State Farm: Best for Financial Strength
Pros
Pros- Strong Financial Ratings: State Farm’s financial stability ensures reliable claims handling, making it a top contender for the best auto insurance in Tampa, Florida.
- Vast Agent Network: An extensive network of local agents offers personalized service and the best auto insurance in Tampa, Florida. For more information, see our State Farm auto insurance review.
- Variety of Discounts: Offers numerous discounts for safe driving and good students, enhancing its appeal as the best Tampa, Florida auto insurance.
Cons
- Higher Rates: Premiums can be higher than those of some other providers, affecting its competitiveness as the best Tampa, Florida auto insurance provider.
- Variable Customer Service: Customer service experiences can vary, which may impact its standing as the best auto insurance provider in Tampa, Florida.
Minimum Auto Insurance in Tampa, Florida
Liability coverage is typically less expensive and provides less protection compared to full-coverage auto insurance. Therefore, if your needs only require liability coverage, you can often secure lower car insurance quotes in Tampa.
Considering Amica, Travelers, and Allstate for the best Tampa, Florida auto insurance companies can save you a ton of money, and at the same time, it performs all your needs for your car.
Tampa, Florida Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $55 | $135 |
 | $52 | $140 |
| $48 | $130 |
 | $50 | $153 |
 | $60 | $155 |
 | $54 | $145 |
 | $53 | $144 |
 | $56 | $150 |
 | $62 | $160 |
 | $53 | $132 |
Liability insurance covers damages and injuries to others if you’re at fault in an accident, but it doesn’t cover your own vehicle’s damages or medical expenses.
As a result, opting for liability-only coverage can reduce your premium significantly compared to comprehensive and collision coverage, making it a more affordable choice for those who don’t need extensive protection.
Cheap Tampa, Florida Auto Insurance by Age, Gender, and Marital Status
Insurance companies consider age, gender, and marital status when setting your Tampa auto insurance rates. See how demographics impact monthly Tampa, FL auto insurance rates:
Tampa, Florida Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $540 | $500 | $280 | $270 | $210 | $200 | $180 | $170 |
| $520 | $490 | $275 | $265 | $205 | $195 | $175 | $165 |
| $510 | $480 | $270 | $260 | $200 | $190 | $170 | $160 |
| $260 | $260 | $170 | $165 | $140 | $135 | $120 | $115 |
| $360 | $360 | $220 | $210 | $190 | $180 | $160 | $150 |
| $290 | $280 | $190 | $180 | $160 | $150 | $130 | $120 |
| $310 | $290 | $200 | $190 | $170 | $160 | $140 | $130 |
| $320 | $300 | $210 | $200 | $180 | $170 | $150 | $140 |
| $200 | $200 | $160 | $150 | $130 | $125 | $110 | $105 |
| $330 | $310 | $220 | $210 | $190 | $180 | $160 | $150 |
Now, you can understand more about how demographics affect monthly rates in Tampa, FL, auto insurance.
You’ll find cheaper car insurance quotes in Tampa if you’re a 35-year-old driver compared to Tampa auto insurance companies for teens. For example, a teen male driver pays $1,166 on average for Tampa, Florida auto insurance, whereas a 35-year-old male pays $348.
Auto Insurance Discounts From the Top Providers in Tampa, Florida
| Insurance Company | Available Discounts |
|---|---|
| New Car Discount, Safe Driver Discount, Multi-policy Discount, Anti-theft Device Discount |
| Good Student Discount, Safe Driver Discount, Multi-policy Discount, Defensive Driver Discount |
| Safe Driver Discount, Multi-policy Discount, Vehicle Storage Discount |
| Good Student Discount, Federal Employee Discount, Multi-policy Discount, Anti-theft Device Discount |
| Hybrid Vehicle Discount, Multi-policy Discount, New Car Replacement Discount, Safe Driver Discount |
| Safe Driver Discount, Accident Forgiveness Discount, Multi-policy Discount, Anti-theft Device Discount |
| Snapshot Program Discount, Good Student Discount, Continuous Insurance Discount, Multi-policy Discount |
| Safe Driver Discount, Multi-policy Discount, Accident Forgiveness Discount, RightTrack Discount |
| New Car Discount, Multi-policy Discount, Safe Driver Discount, Steer Clear Program Discount |
| Multi-policy Discount, Hybrid/Electric Vehicle Discount, Safe Driver Discount, Continuous Insurance Discount |
This significant difference is due to the higher risk associated with teen drivers, who generally lack experience and are more likely to be involved in accidents.
As drivers gain experience and demonstrate a clean driving record, their insurance premiums often decrease. Enter your ZIP code now to begin comparing.
Cheap Tampa, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Tampa, Florida, is a challenge. Take a look at the monthly teen auto insurance rates in Tampa, Florida:
Tampa, Florida Teen Full Coverage Auto Insurance Monthly Rates
| Insurance Company | Age: 17 Female | Age: 17 Male |
|---|---|---|
| $540 | $500 |
| $260 | $260 |
| $360 | $360 |
| $290 | $280 |
| $310 | $290 |
| $200 | $200 |
 | $140 | $140 |
Teen drivers lack driving experience and are more likely to drive distracted, so insurers charge them higher Tampa, FL auto insurance rates.
Cheap Tampa, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Tampa, Florida? Take a look at the monthly auto insurance rates for older drivers in Tampa, FL:
Tampa, Florida Senior Full Coverage Auto Insurance Monthly Rates
| Insurance Company | Age: 60 Female | Age: 60 Male |
|---|---|---|
| $51 | $51 |
| $29 | $29 |
| $36 | $49 |
| $31 | $33 |
| $38 | $35 |
| $22 | $24 |
| $17 | $19 |
Senior drivers pay $51 on the highest rates for auto insurance in Tampa, Florida, since they have more experience behind the wheel. Read more about finding the best auto insurance for seniors in Tampa, FL.
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Cheap Tampa, Florida Auto Insurance by Driving Record
Finding cheap auto insurance after accidents is possible, but expect higher rates for Tampa, FL, auto insurance due to the increased risk profile associated with previous claims. Many insurers may raise premiums or limit options after an accident.
Insurers view drivers with accident records as higher risk, which often leads to increased premiums. Despite this, shopping around and comparing quotes can help you find more affordable options, even with a less-than-perfect driving history.
Cheap Tampa, Florida Auto Insurance by Credit History
Credit history significantly affects auto insurance rates in Tampa. Insurance companies often use credit scores as a factor in determining premiums, as they believe that drivers with poor credit scores are more likely to file claims.
Tampa, Florida Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 15,200 |
| Total Claims Per Year | 12,500 |
| Average Claim Size | $5,800 |
| Percentage of Uninsured Drivers | 20% |
| Vehicle Theft Rate | 1,800 thefts/year |
| Traffic Density | High |
| Weather-Related Incidents | Moderate |
Consequently, those with lower credit scores typically face higher insurance rates. Insurers often view credit scores as an indicator of risk, believing that individuals with lower scores are more likely to file claims.
Tampa, Florida Auto Insurance Monthly Rates by Credit
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $58 | $73 | $119 |
| $22 | $29 | $48 |
| $40 | $50 | $68 |
| $34 | $37 | $51 |
| $36 | $43 | $61 |
| $23 | $29 | $44 |
| $14 | $19 | $39 |
Conversely, drivers with higher credit scores are seen as less risky and may benefit from lower auto insurance rates. For example, individuals with strong credit histories often receive better rates and more favorable terms compared to those with less favorable credit.
Comparing auto insurance quotes based on credit history can help you find more affordable options in Tampa. Enter your ZIP code now.
Cheap Tampa, Florida Auto Insurance Rates by Commute
Commute length and annual mileage play a crucial role in determining auto insurance rates in Tampa, Florida. Insurance companies consider how much you drive when setting your premiums, as more time spent on the road increases the likelihood of accidents.
Tampa, Florida Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | B | Below average claim costs |
| Traffic Density | B- | High congestion risk |
| Weather-Related Risks | C+ | Hurricane and flood risks |
| Vehicle Theft Rate | C | Moderate theft rate |
| Uninsured Drivers Rate | D | High uninsured driver rate |
As a result, drivers with higher annual mileage are generally charged higher rates. Conversely, if you drive less frequently, you can often secure cheaper car insurance quotes.
For instance, drivers with lower annual mileage are seen as lower risk and may benefit from more affordable rates. Reviewing the monthly auto insurance rates in Tampa based on yearly mileage can help you find a policy that offers savings if you’re a low-mileage driver.
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The Cheapest Tampa, Florida Auto Insurance Companies
If you’re looking for the most affordable auto insurance in Tampa, Florida, it’s essential to compare rates from different providers. The table below lists the insurance companies with the lowest average rates in Tampa.
USAA, State Farm, and Nationwide offer the cheapest rate or lowest rate for the best Tampa, Florida auto insurance monthly rates.
For the best auto insurance rates, consider USAA and State Farm. USAA provides competitive rates for military members, while State Farm is known for reliable coverage.Kristen Gryglik Insurance Agent
Reviewing these options can help you find the best deal on car insurance. Enter your ZIP code now to explore personalized possibilities and discover the most competitive rates available in your area.
Frequently Asked Questions
What factors affect auto insurance rates in Tampa, FL?
Insurance companies consider factors like age, gender, vehicle type, location, coverage options, and credit score when calculating Tampa, Florida, auto insurance rates. Also, traffic and theft rates in Tampa will affect car insurance quotes.
What Tampa, FL auto insurance coverage options are available?
In Tampa, FL, you can get liability, collision, comprehensive, personal injury protection, and uninsured motorist auto insurance coverage. Enter your ZIP code to begin comparing.
How can I find affordable auto insurance in Tampa, FL?
Comparing quotes, finding discounts, assessing coverage levels, choosing a higher deductible, and maintaining good credit are good ways to get affordable Tampa car insurance coverage.
Who has the cheapest auto insurance rates in Tampa, FL?
USAA and State Farm are the cheapest auto insurance companies in Tampa.
Can I get Tampa, FL, auto insurance with a suspended license?
Generally, you must have a license to obtain Tampa Bay car insurance coverage. However, some auto insurance companies in Tampa may offer non-owner auto insurance to drivers who don’t own a vehicle or plan to reinstate their license soon.
Does my Tampa auto insurance cover rental cars?
Some auto insurance companies in Tampa extend coverage to rental cars in the United States, but you should check with your company to make sure. Enter your ZIP code today.
How do I add a new vehicle to my existing Tampa, FL auto insurance policy?
Contact your insurance company to add a driver to your Tampa, FL auto insurance.
Are there any discounts available for senior citizens on auto insurance in Tampa?
Senior drivers looking for Tampa car insurance coverage could save with various discounts, like low mileage, bundling, and accident-free discounts. Enter your ZIP code now.
What are the minimum auto insurance requirements in Tampa, Florida?
The minimum auto insurance requirements in Tampa, Florida, are 10/20/10, as mandated by Florida auto insurance laws.
Are there affordable auto insurance options for teen drivers in Tampa, Florida?
Finding affordable auto insurance for teen drivers in Tampa, Florida, can be challenging due to their lack of driving experience. However, comparing quotes and exploring available discounts can help secure more affordable rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.