Don’t let shopping for Tampa auto insurance overwhelm you. Finding affordable coverage is as easy as reviewing our car insurance in Tampa resource to better understand the Florida requirements. You’ll also discover how our online site and local agents can help you find the insurance protection you need at a price that you can afford.
Receive multiple quotes instantly right online simply by inputting your zip code into the box form above. The valuable insurance information you receive will help you compare rates and coverage to best determine what will be most effective for your Tampa auto insurance needs.
Car Insurance Agents In Tampa
If you would prefer speaking with an agent in your local community, you’ll find resource links below for some of the largest, well known insurance carriers in the United States. Meeting with someone in your local community will allow you to sit down face to face and discuss your needs so that the agent can help you find the best policies for your situation. As a large metropolitan area covering four counties, the Tampa Bay metro is home to hundreds of professional insurance agents ready to serve your auto insurance needs.
Tampa Allstate Insurance Agents
Tampa is home to 50 Allstate independent insurance agents, who have the professional expertise to provide advice concerning rates, coverage and claims. A majority of Allstate agents also offer services in Spanish to those in the community who need assistance in their native language.
Tampa Farmers Insurance Agents
Farmers Insurance does not operate in the state of Florida. Instead one of the Farmers Insurance Group of Companies, 21st Century Insurance, services the Tampa area through online auto insurance quotes only.
Tampa Geico Insurance Agents
Geico provides one local agent for the Tampa area. Auto insurance shoppers may choose to work with a local agent or visit their site online to receive rate quotes and purchase Tampa auto insurance.
Tampa Progressive Insurance Agents
Nine independent insurance agencies provide Progressive auto insurance in Tampa with the majority also offering bilingual Spanish services.
Tampa State Farm Insurance Agents
Fifty State Farm insurance agents serve the Tampa community and surrounding areas including Temple Terrace, Brandon, Seffner, Apollo Beach, St. Petersburg, Lutz, Valrico, Clearwater and Lithia. Those need Spanish speaking agents will be able to choose from 23 different agents with many offices typically centrally located for convenience of clients.
Florida Department of Financial Services Agent Lookup
The Florida Department of Financial Services keeps records of all agents and agencies licensed to sell insurance in the State of Florida. Interested consumers may learn more about licensed agents by visiting the agent lookup. The search provides information about agent’s license and the companies they are appointed to represent as well as any disciplinary action on file.
If your Tampa insurance agency is not on our resource list, please email us through our contact form. Currently, we only accept individual agent listings through our paid feature option.
Tampa Car Insurance Rates
Insuring your car in Florida can be significantly higher than in other areas of the country. The average auto insurance annual premiums of $1,937 for the state total 13 percent higher than the national average annual car insurance premium of $1678. According to CarInsurance.com, the auto insurance in Tampa is even higher at $2,102 per year.
That’s 8 percent higher than the state and 20 percent higher than the national average. Because of variations in pricing from county to county across the state of Florida, it is important for drivers to review their Tampa car insurance every year. That way it is possible to make sure that they have the most coverage for the best price.
Driving in Tampa
The Tampa area offers warm, sunny weather and plenty of outdoor activities for nature and fitness lovers. Because the city is so spread out, driving a car is necessary for getting to all the wonderful places to visit in the city.
Both morning and evening rush hour can bring traffic to a standstill so planning your route accordingly and choosing good departure times to avoid rush hour traffic is important. With increased traffic congestion due to a growing population, the risk of accidents also increases. Florida motorists need to make sure to carry auto insurance to fully protect themselves from potential financial liability related to being involved in a vehicle accident.
Tampa ranked as the 39th most traffic congested areas out of 100 other cities according to the Inrix.com National Traffic Scorecard. The expected delay when traveling at peak driving times is 39 minutes in the city. But, the travel delay isn’t quite as bad as the rating given to Tampa by the Allstate 2011 Best Drivers Report.
Out of 200 cities, Tampa ranked 176 with 42% likelihood that drivers will experience some sort of accident compared to the national average. This ranking shows an almost 20 point increase from the previous year, 2009, which means if the trend continues, accidents are probably more likely in the upcoming year.
In Hillsborough County where Tampa is situated, the report by the National Highway Transportation Safety Administration didn’t paint such a good picture on driver safety either. In 2010 alone, there were 153 traffic accidents that resulted in death with 39 of those related to a drug or alcohol impaired driver. That fatality figure was a 9 percent increase from the previous year (2009). Hillsborough County was ranked 3rd out of 67 Florida counties for traffic related deaths.
Because drivers in Tampa can frequently run into traffic congestion especially during peak driving hours, having real time traffic reports for Tampa can really help in planning driving routes to avoid congestion, accidents and road closures. The Tampa Tribune and News Channel 8 sponsor the TampaBayOnline.com traffic report that offers live traffic reporting throughout the Tampa Bay area.
Florida Auto Insurance Laws
Florida auto insurance is different than all other states in that you are not required to purchase regular auto insurance liability. Instead, the state only requires personal injury protection of $10,000 and property damage liability of $10,000.
The state is also a no fault system meaning that no matter which driver is at fault for an accident, the insurance company will pay. Learn more about Florida’s unique minimum auto insurance requirements as well as how the state’s car insurance laws differ by visiting our Florida car insurance page.
Tampa Car Insurance Quotes
Driving in Tampa safely can be a challenge. Having appropriate Tampa auto insurance will help drivers have peace of mind every time they get behind the wheel. By using our instant auto insurance quote service, you will be able to easily compare rates and coverage to find the most affordable policy with the right coverage for your needs. Be sure to enter your zip code in the form below to get started on saving money for your car insurance in Tampa.