If you’re looking for affordable car insurance in Tampa, Florida, you’re not alone. This contract is a necessary expense for all drivers, but that doesn’t mean you have to break the bank to get good coverage. In this article, we will take a closer look at some of the best cheap car insurance options available to drivers in 2024. We’ll explore the coverage options and discounts offered by top providers, as well as provide tips for finding the best deals in 2024.
Table of Contents:
- Cheapest car insurance companies in Tampa, Florida 2024
- Cheap full-coverage insurance in Tampa Florida
- Best auto insurance for seniors
- Cheapest Tampa FL car insurance for young drivers
- Cheapest car insurance company for 30-year-old and 40-year old drivers
- Cheapest car insurance company with a speeding ticket
- Cheap insurance for drivers after an accident
- Cheapest rates for young drivers after a ticket or accident
- Cheap car insurance in Tampa Florida for drivers with a DUI
- Best cheap Tampa FL quotes for drivers with bad credit 2024
- Cheapest car insurance for married drivers
- Average cost of car insurance in Tampa, FL
- Auto insurance laws in Tampa, Florida: Minimum-coverage requirements
- Frequently asked questions
Cheapest car insurance companies in Tampa, Florida 2024
Car insurance is a necessary expense for all drivers, but finding affordable coverage can be a challenge. If you’re looking for the cheapest car insurance companies in Tampa, Florida in 2023, you have several options to consider. In this article, we’ll take a closer look at some of the top companies in this area that offer affordable rates, as well as provide a table with example rates for each provider.
- Geico is a popular insurance provider that offers affordable rates to drivers in Tampa, Florida. They offer a variety of discounts, such as good driver discounts and multi-car discounts. Depending on the driver’s age and driving record, Geico may offer policies for as low as $80 per month.
- State Farm is another popular company in Tampa that offers affordable rates. They offer a variety of discounts, such as good student discounts and safe driver discounts. Depending on the driver’s age and driving record, State Farm may offer policies for as low as $90 per month.
- Progressive is another insurance provider that offers competitive rates to drivers in 2024. They offer a variety of discounts, such as good driver discounts and multi-car discounts. Depending on the driver’s age and driving record, Progressive car insurance Tampa FL may cost as low as $100 per month.
- Allstate is another company in this area that may offer affordable rates. They offer a variety of discounts, such as safe driver discounts and multi-policy discounts. Depending on the driver’s age and driving record, Allstate car insurance Tampa FL may cost as low as $110 per month.
- Nationwide is a popular provider in this city that may offer affordable rates to drivers. They offer a variety of discounts, such as good student discounts and safe driver discounts. Depending on the driver’s age and driving record, Nationwide may offer policies for as low as $120 per month.
- Liberty Mutual is an company that offers competitive rates to drivers. They offer a variety of discounts, such as good driver discounts and multi-car discounts. Depending on the driver’s age and driving record, Liberty Mutual may offer policies for as low as $130 per month.
- Esurance is a popular insurance provider that offers affordable rates to drivers. They offer a variety of discounts, such as multi-car discounts and good driver discounts. Depending on the driver’s age and driving record, Esurance may offer policies for as low as $140 per month.
- Farmers is another company in Tampa that may offer affordable rates. They offer a variety of discounts, such as safe driver discounts and multi-policy discounts. Depending on the driver’s age and driving record, Farmers may offer policies for as low as $150 per month.
- Travelers is an insurance provider in Tampa that offers competitive rates to drivers. They offer a variety of discounts, such as multi-car discounts and safe driver discounts. Depending on the driver’s age and driving record, Travelers may offer policies for as low as $160 per month.
- MetLife is another company that may offer affordable rates. They offer a variety of discounts, such as good driver discounts and multi-policy discounts. Depending on the driver’s age and driving record, MetLife may offer policies for as low as $170 per month.
Here’s a table showing example rates for each of the top car insurance companies in Tampa, Florida in 2023:
| Company | Average Monthly Rate |
| Geico | $80 |
| State Farm | $90 |
| Progressive | $100 |
| Allstate | $110 |
| Nationwide | $120 |
| Liberty Mutual | $130 |
| Esurance | $140 |
| Farmers | $150 |
| Travelers | $160 |
| MetLife | $170 |
It’s important to keep in mind that these rates are just examples and may not accurately reflect the actual rates for car insurance in 2024. Actual rates can vary based on several factors, such as the driver’s age, driving history, and location. Additionally, each provider may offer different discounts and coverage options, so it’s essential to compare quotes from multiple providers to find the best deal for your specific situation.
Cheap full-coverage insurance in Tampa Florida
Finding affordable full-coverage insurance can be a challenge, but there are several companies that offer cheap options to drivers.
Among the top companies that offer cheap full-coverage insurance in Tampa are Geico, State Farm, Progressive, Allstate, and Nationwide. Each of these providers offers a variety of discounts, such as good driver discounts, multi-car discounts, and safe driver discounts, which can help drivers save money on their premiums. Depending on the driver’s age and driving record, these providers may offer full-coverage policies for as low as $120 per month for Geico, and up to $160 per month for Nationwide. It’s important to compare quotes from multiple providers to find the best deal for your specific situation.
Here is a table showing example rates for each of these companies for full-coverage insurance:
| Company | Monthly Rate |
| Geico | $120 |
| State Farm | $130 |
| Progressive | $140 |
| Allstate | $150 |
| Nationwide | $160 |
Best auto insurance for seniors in Tampa, Florida
When it comes to finding the best auto insurance for seniors, several companies offer coverage options specifically tailored to meet the needs of older drivers.
Among the top companies that offer the best auto insurance for seniors in Tampa are Geico, State Farm, Progressive, Allstate, and Nationwide. These providers offer competitive rates and discounts, such as safe driver discounts, low-mileage discounts, and defensive driving course discounts, which can help seniors save money on their premiums.
Depending on the driver’s age, driving history, and vehicle type, each of these providers may offer coverage options and rates that best suit their needs. It’s important for seniors to compare quotes from multiple providers to find the best deal for their specific situation.
Here is a table showing the top auto insurance providers in Tampa, Florida for seniors, with example rates based on age:
| Company | Age 65 Average Monthly Rate | Age 75 Average Monthly Rate | Age 85 Average Monthly Rate |
| Geico | $100 | $120 | $150 |
| State Farm | $110 | $130 | $160 |
| Progressive | $120 | $140 | $170 |
| Allstate | $130 | $150 | $180 |
| Nationwide | $140 | $160 | $190 |
It’s important to keep in mind that these rates are just examples and may not accurately reflect the actual rates for auto insurance for seniors in 2024. Actual rates can vary based on several factors, such as the driver’s age, driving history, and location. Additionally, provider may offer different discounts and coverage options, so it’s essential to compare quotes from multiple providers to find the best deal for your specific situation.
Cheapest Tampa FL car insurance for young drivers
Finding affordable car insurance for young drivers can be not easy due to the higher risk associated with younger drivers. However, several companies offer affordable coverage options for young drivers.
Among the top companies that offer the cheapest car insurance Tampa FL for young drivers are Geico, Progressive, State Farm, Allstate, and Nationwide. Each of these providers offers discounts specifically tailored for younger drivers, such as good student discounts, driver training discounts, and safe driving discounts, which can help lower the cost of premiums.
Depending on the driver’s age, driving record, and type of vehicle, these providers may offer coverage options for as low as $100 per month for Geico, and up to $160 per month for Nationwide. It’s important for young drivers to compare quotes from multiple providers to find the best deal for their specific situation, as rates can vary based on several factors. Additionally, it’s important for 20 year old drivers to maintain a safe driving record and take advantage of any discounts offered to keep their premiums low.
Here’s a table showing the cheapest car insurance providers for young drivers in Tampa, Florida, with example rates for liability only and full coverage policies:
| Company | Liability Only Monthly Rate | Full Coverage Monthly Rate |
| Geico | $80 | $130 |
| Progressive | $90 | $150 |
| State Farm | $100 | $170 |
| Allstate | $110 | $190 |
| Nationwide | $120 | $210 |
It’s important to keep in mind that these rates are just examples and may not accurately reflect the actual rates in 2024. Actual rates can vary based on several factors, such as the driver’s age, driving history, and location. Additionally, each provider may offer different discounts and coverage options, so it’s essential to compare quotes from multiple providers to find the best deal for your specific situation.
Cheapest car insurance company for 30-year-old and 40-year old drivers
For 30-year-old and 40-year-old drivers, there are several top car insurance companies in Tampa Florida that consistently offer the cheapest rates. By comparing quotes from these providers and taking advantage of discounts and safe driving programs, drivers in these age groups can find affordable rates.
One of the top car insurance providers for 30 and 40-year-old drivers in Tampa is Geico. Geico is known for its low rates and offers a range of coverage options, including liability, collision, and comprehensive coverage. Geico also offers several discounts, such as a multi-car discount and a good driver discount, which can help drivers save even more on their car insurance rates.
Another top provider for 30 and 40-year-old drivers in Tampa is State Farm. State Farm offers a range of coverage options, including liability, collision, and comprehensive coverage, as well as discounts for safe driving and good grades. State Farm is also known for its excellent customer service and offers 24/7 support to its policyholders.
Progressive is also a top car insurance provider for 30 and 40-year-old drivers in this area. Progressive offers a range of coverage options, including liability, collision, and comprehensive coverage, as well as several discounts, such as a multi-policy discount and a Snapshot program that rewards safe driving habits. Additionally, Progressive offers a range of online tools and resources to help policyholders manage their policies and claims.
By comparing quotes from multiple providers and taking advantage of discounts and safe driving programs, drivers in these age groups can find affordable rates that fit their budgets.
Here’s a table comparing the cheapest Tampa car insurance companies for 30-year-old and 40-year-old drivers:
| Rank | Company | Average Monthly Rate for 30-Year-Old | Average Monthly Rate for 40-Year-Old |
| 1 | Geico | $85 | $78 |
| 2 | State Farm | $91 | $81 |
| 3 | Progressive | $98 | $88 |
| 4 | Allstate | $109 | $97 |
| 5 | Nationwide | $117 | $106 |
Cheapest car insurance company with a speeding ticket
Getting a speeding ticket can cause cheap Tampa car insurance rates to skyrocket. However, several providers offer affordable coverage options for drivers who have received a speeding ticket.
Among the top companies that offer the cheapest rates for drivers with a speeding ticket in this area are Geico, Progressive, State Farm, Allstate, and Nationwide. Each of these providers offers discounts that may help offset the impact of a speeding ticket on insurance rates, such as good driver discounts and defensive driving course discounts.
Depending on the driver’s age, driving record, and type of vehicle, these providers may offer coverage options for as low as $120 per month for Geico, and up to $180 per month for Nationwide. It’s important for drivers with a speeding ticket to compare quotes from multiple providers to find the best deal for their specific situation, as rates can vary based on several factors. Additionally, it’s important to maintain a safe driving record and avoid future violations to keep insurance rates low.
Here’s a table showing the cheapest car insurance providers for drivers with a speeding ticket in Tampa, Florida, with example monthly rates:
| Company | Monthly Rate |
| Geico | $120 |
| Progressive | $130 |
| State Farm | $140 |
| Allstate | $160 |
| Nationwide | $180 |
Cheap insurance for Tampa FL drivers after an accident
After a car accident, car insurance rates can rise significantly. However, there are several providers that offer affordable coverage options for drivers who have been in an accident.
Among the top companies that offer cheap insurance for Tampa FL drivers after an accident are Geico, Progressive, State Farm, Allstate, and Nationwide. Each of these providers offers discounts that may help offset the impact of an accident on insurance rates, such as accident forgiveness programs and safe driver discounts.
Depending on the driver’s age, driving record, and type of vehicle, these providers may offer coverage options for as low as $150 per month for Geico, and up to $200 per month for Nationwide. It’s important for drivers who have been in an accident to compare cheap car insurance quotes Tampa FL from multiple providers to find the best deal for their specific situation, as rates can vary based on several factors. Additionally, it’s important to maintain a safe driving record and avoid future accidents to keep insurance rates low. Drivers may also consider raising their deductibles or reducing coverage limits to lower their premiums.
Here’s a table showing the cheapest car insurance in Tampa Florida who have been in an accident, with example monthly rates:
| Company | Monthly Rate |
| Geico | $150 |
| Progressive | $160 |
| State Farm | $170 |
| Allstate | $180 |
| Nationwide | $200 |
Cheapest rates for young drivers in Tampa FL after a ticket or accident
Young drivers who have received a ticket or been in an accident may see their car insurance rates increase significantly. However, several providers offer affordable coverage options for young drivers who have received a ticket or been in an accident.
Among the top companies that offer the cheapest rates for young drivers in Tampa FL after a ticket or accident are Geico, Progressive, State Farm, Allstate, and Nationwide. These providers offer discounts that may help offset the impact of a ticket or accident on insurance rates, such as good driver discounts and defensive driving course discounts.
Depending on the driver’s age, driving record, and type of vehicle, these providers may offer coverage options for as low as $130 per month for Geico, and up to $200 per month for Nationwide. It’s important for young drivers who have received a ticket or been in an accident to compare Tampa car insurance quotes from multiple providers to find the best car insurance in Tampa for their specific situation.
Here’s a table showing the cheapest car insurance providers for young drivers in Tampa, Florida, who have received a ticket or been in an accident, with example monthly rates:
| Provider | Ticket Rate | Accident Rate |
| Geico | $130 | $150 |
| Progressive | $140 | $170 |
| State Farm | $150 | $180 |
| Allstate | $160 | $190 |
| Nationwide | $180 | $200 |
Cheap car insurance Tampa FL for drivers with a DUI
Getting a DUI can have serious consequences, including significant increases in car insurance rates. However, there are several providers that offer affordable coverage options for drivers with a DUI.
Among the top companies that offer cheap rates for Florida drivers with a DUI in Tampa are Geico, State Farm, Progressive, Allstate, and Nationwide. Each of these providers offers discounts that may help offset the impact of a DUI on insurance rates, such as safe driver discounts and defensive driving course discounts.
Depending on the driver’s age, driving record, and type of vehicle, these providers may offer coverage options for as low as $200 per month for Geico, and up to $250 per month for Nationwide. It’s important for drivers with a DUI to compare quotes from multiple providers to find the best deal for their specific situation, as rates can vary based on several factors. Additionally, it’s important to maintain a safe driving record and avoid future violations to keep insurance rates low.
Drivers with a DUI may also consider taking a defensive driving course to help lower their premiums. It’s important to note that drivers with a DUI may be required to obtain an SR-22 insurance policy, which can be more expensive than a standard policy.
Here’s a table showing the cheapest car insurance in Tampa FL for drivers who have a DUI on their record, with example monthly rates:
| Company | Monthly Rate |
| Geico | $200 |
| State Farm | $220 |
| Progressive | $230 |
| Allstate | $240 |
| Nationwide | $250 |
Best cheap Tampa FL quotes for drivers with bad credit 2024
Getting affordable car insurance can be a challenge for drivers in 2024 who have bad credit. However, several providers offer coverage options for drivers with bad credit, which can help reduce the impact of their credit score on insurance rates.
Among the top companies that offer the best quotes for drivers with bad credit are Geico, State Farm, Progressive, Allstate, and Nationwide. Each of these providers offers discounts that may help offset the impact of bad credit on insurance rates, such as good driver discounts and bundling discounts.
When looking for affordable car insurance Tampa FL as a driver with bad credit, it’s important to compare quotes from multiple providers to find the best deal for your specific situation. Each provider may offer different discounts and coverage options, and rates can vary based on several factors, including the driver’s age, driving record, and type of vehicle.
To get the best Tampa FL quotes for drivers with bad credit, consider taking steps to improve your credit score. Paying bills on time and reducing debt can help improve your credit score and lower your insurance rates over time. Additionally, maintaining a safe driving record and avoiding future violations can help keep rates low.
Here’s a table showing example monthly rates for each of the top providers offering the best Tampa FL quotes for drivers with bad credit:
| Company | Monthly Rate |
| Geico | $170 |
| State Farm | $180 |
| Progressive | $190 |
| Allstate | $200 |
| Nationwide | $230 |
Cheapest Tampa car insurance for married drivers
If you’re a married driver, you may be looking for the cheapest car insurance rates available. Fortunately, there are several providers that offer affordable coverage options for married drivers.
Among the top companies that offer the cheapest Tampa FL car insurance rates for married drivers are Geico, State Farm, Progressive, Allstate, and Nationwide. Each of these providers offers discounts that may help reduce rates for married drivers, such as bundling discounts and good driver discounts.
When shopping for car insurance as a married driver, it’s important to compare quotes from multiple providers to find the best deal for your specific situation. Rates can vary based on several factors, including the driver’s age, driving history, and type of vehicle.
Here’s a table showing example monthly rates for each of the top providers offering the cheapest Tampa FL car insurance rates for married drivers:
| Provider | Monthly Rate |
| Geico | $120 |
| State Farm | $130 |
| Progressive | $140 |
| Allstate | $160 |
| Nationwide | $180 |
It’s important to note that these rates are just examples and may not accurately reflect the actual rates in 2024. However, they can serve as a starting point for comparison shopping and help you identify which providers may offer the best rates for your specific situation.
In addition to comparing quotes, married drivers can take steps to further reduce their insurance rates. Maintaining a safe driving record, taking defensive driving courses, and driving a safe and reliable vehicle can all help reduce rates. Additionally, bundling home and auto insurance policies with the same provider can often result in additional discounts.
Average car insurance cost: Tampa
If you’re a driver, you may be wondering what the average cost of car insurance in Tampa FL. The cost can vary based on several factors, including the driver’s age, driving record, and type of vehicle, as well as the provider and coverage options selected.
According to data from The Zebra, the average cost of car insurance in Tampa, Florida is $1,418 per year, or $118 per month. This is slightly higher than the average cost of car insurance in Florida, which is $1,391 per year, or $116 per month.
When comparing quotes for car insurance in Tampa, it’s important to keep in mind that rates can vary significantly based on the provider and coverage options selected. Some providers may offer discounts for safe driving, good grades, or bundling policies, which can help reduce rates.
Here’s a breakdown of the average cost of car insurance in Tampa, Florida by coverage type:
- Liability coverage: $717 per year, or $60 per month
- Full coverage: $1,741 per year, or $145 per month
It’s important to note that these are just averages, and actual rates can vary based on several factors. To get an accurate estimate of your car insurance rates in Tampa, it’s best to compare quotes from multiple providers and consider all the factors that can impact your rates.
Overall, while car insurance rates in this area may be slightly higher than the state average, there are still several options for affordable coverage, and comparison shopping can help you find the best deal for your specific situation.
Auto insurance laws in Tampa, Florida: Minimum-coverage requirements
If you’re a driver, it’s important to understand the state’s auto insurance laws and minimum coverage requirements. By law, all drivers in Florida are required to carry certain minimum amounts of auto insurance coverage to legally operate a vehicle on public roads. Here’s a breakdown of the minimum-coverage requirements for auto insurance in Tampa, Florida:
- Personal injury protection (PIP): Florida is a no-fault state, which means that drivers are required to carry a minimum of $10,000 in PIP coverage. This coverage provides medical expenses and lost wages in the event of an accident, regardless of who was at fault.
- Property damage liability (PDL): Florida drivers are also required to carry a minimum of $10,000 in PDL coverage, which covers any damage to another person’s property in the event of an accident.
- Bodily injury liability (BIL): While not required by law, drivers in Florida are strongly encouraged to carry a minimum of $10,000 in BIL coverage to protect themselves from liability in the event of an accident that results in injury to another person.
It’s important to note that while these are the minimum-coverage requirements for auto insurance in Tampa, Florida, drivers may choose to carry additional coverage for added protection. Some providers may also offer additional coverage options, such as collision coverage or comprehensive coverage, which can provide added protection in the event of an accident or other damage to the vehicle.
In addition to these minimum-coverage requirements, it’s also important to follow all other traffic laws and regulations in your area, to avoid penalties and fines. By understanding the state’s laws and minimum-coverage requirements, drivers can ensure they are adequately protected and in compliance with the law.
Tampa FL No-Fault Law
The Tampa FL No-Fault Law, also known as the Personal Injury Protection (PIP) Law, is an auto insurance law that requires drivers in Florida to carry a minimum amount of insurance coverage to cover medical expenses and lost wages resulting from a car accident, regardless of who was at fault. The law was enacted in 1971 and has been in place ever since.
Under this law, drivers are required to carry a minimum of $10,000 in PIP coverage, which provides medical benefits and lost wages to the policyholder, as well as any passengers in the vehicle, in the event of an accident. This coverage is designed to be the primary source of medical coverage for those involved in an accident, regardless of who was at fault.
One of the key benefits of the No-Fault Law is that it helps to reduce the burden on the legal system by allowing injured parties to receive medical benefits and lost wages without having to go through a lengthy and potentially costly legal process. This streamlines the claims process and helps to ensure that injured parties can receive the care they need in a timely manner.
It’s important to note that while the Tampa FL No-Fault Law requires all drivers to carry PIP coverage, it does not completely eliminate the possibility of legal action. Drivers may still be able to file a lawsuit against another driver or their insurance provider for damages beyond what is covered by their PIP coverage, such as pain and suffering or emotional distress.
In addition to the minimum PIP coverage required under the No-Fault Law, drivers in Florida may also choose to carry additional coverage options, such as bodily injury liability (BIL) or property damage liability (PDL) coverage. These additional coverage options can provide added protection in the event of an accident, but are not required by law.
Overall, the No-Fault Law is designed to provide protection and support to those involved in car accidents in Florida, while also reducing the burden on the legal system. By understanding the requirements of the law and carrying the appropriate insurance coverage, drivers can ensure they are properly protected and prepared in the event of an accident.
SR-22 and FR-44 policies
If you’re a driver in Tampa, Florida, you may have heard of SR-22 and FR-44 insurance policies. These are special types of policies that are required by the state of Florida for drivers who have been convicted of certain traffic violations or crimes. Here’s a breakdown of what SR-22 and FR-44 policies are, and what you need to know if you are required to carry one.
SR-22 Policies:
SR-22 policies are a type of insurance policy that is required by the state of Florida for drivers who have had their license suspended or revoked due to certain traffic violations or crimes, such as a DUI or driving without insurance. The SR-22 policy is a form that your insurance company files with the state to certify that you are carrying the required minimum coverage.
The SR-22 policy is typically required for a period of three years, and the driver is required to maintain continuous coverage during this time. The cost of an SR-22 policy can vary based on several factors, including the driver’s age, driving history, and type of vehicle.
FR-44 Policies:
FR-44 policies are similar to SR-22 policies, but are required for drivers who have been convicted of a DUI or certain other serious driving offenses. The FR-44 policy requires the driver to carry higher levels of insurance coverage than a standard policy, including $100,000 in bodily injury liability coverage per person, and $300,000 in bodily injury liability coverage per accident.
The cost of an FR-44 policy can be significantly higher than a standard policy, due to the higher coverage limits required. However, drivers who are required to carry an FR-44 policy can still take steps to reduce their insurance rates, such as shopping around for quotes and maintaining a clean driving record.
Here are some of the top insurance providers that offer SR-22 and FR-44 policies in Tampa, Florida:
- Geico
- State Farm
- Progressive
- Allstate
- Nationwide
It’s important to note that while these providers are among the top options for SR-22 and FR-44 policies in your area, rates and availability can vary based on several factors. It’s best to compare quotes from multiple providers to find the best deal for your specific situation.
Frequently asked questions
What is the minimum car insurance coverage required in Tampa, Florida?
Drivers in this area are required to carry a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) coverage.
What factors affect car insurance rates in Tampa, FL?
Several factors can affect car insurance rates in this area, including the driver’s age, driving history, type of vehicle, and coverage options. Additionally, the specific location in the city can also affect rates.
Are there any discounts available for car insurance in Tampa, Florida?
Yes, many car insurance providers in this city offer discounts for safe driving, good grades, multiple policies, and other factors. It’s important to ask your provider about available discounts.
Do I need uninsured/underinsured motorist coverage in Tampa, FL?
Uninsured/underinsured motorist coverage is not required in this area, but it can provide additional protection in the event that you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.
Can I cancel my car insurance policy at any time in Tampa, Florida?
Yes, you can cancel your car insurance policy at any time in this city. However, it’s important to note that cancelling your policy before the end of the term may result in a penalty or fee.
Can I insure my car in Tampa, Florida if I have an out-of-state driver’s license?
Yes, you can insure your car in this area with an out-of-state driver’s license. However, you may be required to obtain a Florida driver’s license within a certain timeframe.
How can I file a car insurance claim in Tampa, Florida?
For this, you should contact your insurance provider as soon as possible after the accident. Your provider will provide you with instructions on how to file a claim and what information you need to provide.
What are direct car insurance Tampa FL?
Direct car insurance providers offer customers the convenience of buying and managing their car insurance policies online or over the phone. These providers cut out the middleman, which can sometimes result in lower rates for customers. However, it’s important to carefully compare quotes and coverage options from multiple providers to ensure that you are getting the best deal for your specific situation. Some examples of direct car insurance providers in Tampa include Geico, Progressive, and Esurance.