Car Insurance in Tampa

Auto Insurance Quotes for Tampa, St. Petersburg, & Clearwater, FL

Looking for trusted car insurance in the Tampa Bay region? GEICO offers auto insurance in Tampa with great coverage at affordable rates. Whether you're new to the Tampa Bay region or looking to switch insurance providers, we can help. From convenient features like our GEICO Mobile app to car insurance discounts, GEICO can provide an outstanding car insurance experience from the moment you get a free online quote.

Did you know that nearly one in four Florida motorists may be driving without car insurance?* With over 4 million people from Wesley Chapel to St Pete, Tampa area drivers need a reliable car insurance policy to protect them after an accident.

It's important that you and your vehicle are protected with the right kind of insurance in case of an accident. GEICO offers great low rates in the Tampa Bay Area, so don't wait another minute—get a Tampa auto insurance quote online today.

Minimum Car Insurance Requirements in Tampa

In Tampa, Florida, drivers are required to carry a minimum amount of car insurance to legally operate a vehicle.  It's important to note that the minimums listed below might not fully cover all expenses in the event of a serious accident, so many drivers opt for additional limits and coverages.

  • Bodily Injury Liability: $10,000 per person and $20,000 per accident*
  • Property Damage Liability (PDL): $10,000 per accident
  • Uninsured Motorist Bodily Injury: $10,000 per person and $20,000 per accident*
  • Personal Injury Protection (PIP): $10,000 per accident
*Bodily injury liability and uninsured motorist coverages may be rejected in writing

Tampa Car Insurance Discounts

GEICO offers many car insurance discounts to Tampa drivers to help them secure affordable coverage, including:

  • Five-Year Accident-Free Good Driver Discount: Tampa drivers who maintain a clean driving record for at least 5 consecutive years may be eligible for lower car insurance premiums.

  • Multi-Vehicle Discount: Insure more than one vehicle with GEICO and receive a discount on auto insurance.

  • Multi-Policy Discount: Bundle insurance policies like home and auto with GEICO to qualify for reduced car insurance rates.

  • Good Student Discount: Full-time Tampa students who maintain a B average or above may be eligible for lower car insurance premiums.

  • DriveEasy Discount: Enroll in GEICO's safe-driving program (DriveEasy) to earn discounts. DriveEasy rewards you with savings based on safe driving habits tracked by the GEICO Mobile app.

Factors That Influence Car Insurance Rates in Tampa

When it comes to car insurance in Tampa, several factors play a role in determining how much you'll pay for your premium, including:

  • Driving record
  • Driver age and gender
  • Zip code
  • Marital status
  • Vehicle year, make, and model
  • And more

Does Tampa Operate as a No-Fault Insurance State?

Florida is a no-fault state, meaning that in the event of a car accident, each driver's own insurance covers their medical expenses and lost wages, regardless of who is at fault. As part of this no-fault law, Florida drivers are required to carry Personal Injury Protection (PIP) insurance, which covers these expenses up to the policy limits.

What is Not Covered by Auto Insurance Policies in Tampa?

Tampa car insurance is a crucial safety net for drivers, but standard policies don't cover everything. Common car insurance exclusions are:

  • Intentional damage
  • Regular maintenance
  • Stolen or damaged personal belongings in the vehicle
  • Commercial or rideshare use
  • Damage sustained during illegal activities such as racing

Tampa, FL Insurance Agents

We have experienced local insurance agents ready to answer questions about auto insurance or other insurance needs. We're located across Tampa, St. Petersburg, and the Clearwater area ready to help you. Learn more about our Tampa insurance agents.

More on Florida Car Insurance

Need to find out more about Florida auto insurance laws? Just moved to Florida? Adding a new teen driver to your policy? If so, check out our Florida car insurance page for valuable information you'll need before making a decision about your auto insurance policy.

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