Auto Insurance Offered in Tampa

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Here's what you need to know...

  • Prices for car insurance in Tampa are in line with national averages
  • Florida is a no-fault insurance state
  • Insurance rates are based on many factors

The cost of living in Tampa ranked in the middle of all the US states in the with Tampa car insurance being in the middle also. The average cost of homes and the taxes on these homes were less than most other states in the year 2009, as well.

There are many fabulous job opportunities in Tampa, with most of them being in the tourist industry. However, there are also many jobs in the farming industry and jobs in aerospace, as well.

When people move to Tampa, one of the first things they will need to do is find out all about Tampa’s regulations and requirements, as well as, find a suitable provider.

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Tampa Car Insurance Requirements and Laws

A binder labeled "requirements".

It is essential for people to know the requirements and laws for Tampa car insurance if they plan on moving here.

People must have auto insurance in Florida before they can register their vehicles and before they can even drive.

They must also maintain a minimum of the following coverage to drive in Tampa:

  • $10,000 in coverage to protect against property damage
  • $10,000 for injuries of one person
  • $20,000 for injuries of more than one person
  • $10,000 for personal injury protection, or PIP

Of course, these are minimum requirements and people may purchase more coverage or additional coverage such as collision coverage, uninsured coverage or under-insured coverage if they so wish.

Collision will cover any repairs or replacements needed that may not be covered by a liability insurance policy.

Although Tampa has a no-fault insurance law, in which insurance companies will pay for claims no matter who is at fault in an accident, they will only pay up to a set amount.

Without collision, drivers may have to pay either additional money out of their own pockets or they may have to sue the other driver to repair or replace their vehicles if the insurance does not cover the total costs.

Collision and Comprehensive coverages go hand in hand. Comprehensive will cover the following:

  • Vandalism
  • Theft
  • Storm damage and floods
  • Damage from fallen trees or other objects

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Tampa Companies Offering Car Insurance

When people are searching for the most affordable car insurance in, they may want to consider purchasing policies from a national company.

There are many different insurance companies that offer extremely affordable rates to residents of Tampa. Following are a few of these car insurance companies.

Geico is a popular insurance agency that has been in the insurance business since the year 1936. Today, Geico services more than eight million people nationwide and has sold more than 13 million car insurance policies.

This car insurance provider is one of the largest providers in the country and continues to expand each year.

State Farm insurance is another popular car insurance provider that offers insurance to residents of Tampa.

This company has been in the insurance business since the year 1922, and by the year 1942, it became the largest car insurance provider in the country.

State Farm offers many terrific discounts including the following:

  • Excellent students
  • Multiple vehicles
  • Excellent driving history
  • Defensive driving courses
  • Anti-theft devices

Allstate is also an extremely popular car insurance provider in Tampa. This company holds a Fortune 100 status and boasts more than $160 billion in assets.

If drivers, who have their car insurance with Allstate, maintain an excellent driving record for a set number of years; they can often qualify for discounted rates.

Allstate often offers driver bonuses for those drivers who remain accident-free for six months at a time.

Average Tampa Car Insurance Rates

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Everyone wants to purchase the cheapest car insurance without giving up excellent coverage and service.

The cost of Tampa car insurance varies; however, the average is about $1,750 per year, which is extremely close to the national average of $1,800.

Although many people think that the rates are the same all over the state and with the various insurance providers, this is not so. Tampa car insurance rates will vary depending on the following things.

  • The location
  • The insurance provider
  • The brand and model of the car or truck
  • The age of the vehicle
  • The age and gender of the driver
  • The driver’s driving history
  • The coverage that people may choose to purchase.
  • Rates often go up each year, as well.

Tampa Driving and Car Insurance Statistics

Statistics from the Florida Department of Highway Safety reported an alarming number of accidents in Tampa in the year 2009.

  • There were approximately 39,041 car accidents
  • 1,254 persons injured in accidents involving motorcycles
  • 59 deaths involving motorcycle accidents
  • 933 cyclists injured
  • 1,246 pedestrians injured
  • 79 pedestrian fatalities

More than 65,000 people were arrested for DUI in the year 2009, and the number of those convicted was more than half. Finally, there were almost 8,000 vehicle thefts in Tampa in the year 2008.

In conclusion, as anyone can plainly see, Tampa car insurance is crucial to protect one’s self in the case of accidents or theft.

Anyone who may want to relocate to Tampa will need to know the requirements and laws for Tampa car insurance.

They will also need to choose an insurance provider that will provide them with the coverage they need at affordable rates.

Anybody can find a Tampa car insurance policy that will suit their individual needs by conducting some online comparisons of the various rates and terms of several companies.

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