The Best Car Insurance in Tampa, FL, for 2022

GEICO is the best car insurance company in Tampa, Florida, for balancing customer satisfaction, affordability and financial stability. The company has a MoneyGeek score of 80 out of 100, which is the highest in the city. However, the best provider for you can vary depending on your age and preferred coverage.

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Last Updated: 8/12/2022
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Based on MoneyGeek’s analysis, GEICO is the top car insurance company in Tampa overall. It should be noted that this is a general ranking — the best provider for you will depend on your age, driving profile and chosen coverage.

To help you find the best insurer for your needs, we ranked the highest-performing providers for young motorists, older drivers, motorists with violations and drivers with a military background. We also gathered resources about the cheapest car insurance in Tampa so you can get the lowest rates available.

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The Best Car Insurance in Tampa

MoneyGeek evaluated car insurance companies in Tampa based on average rates, claims ratings and user satisfaction. Our analysis showed the best auto insurance companies in the city are:

  • GEICO: 80 out of 100
  • State Farm: 62 out of 100

We excluded USAA from this analysis since it’s only available for veterans and active-duty military personnel. However, it received a MoneyGeek score of 100 out of 100, making it the best car insurer in Tampa.

The Top Car Insurance Companies in Tampa

1
GEICOOverall
Score:80

3.8/5

Affordability

4/5

Claims

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO received a MoneyGeek score of four out of five for affordability, satisfaction and claims. Its policies are available for around $1,649 per year. This provider also offers rare add-on endorsements like mechanical breakdown insurance and accident forgiveness coverage.

More About GEICO

GEICO is the best car insurance company in Tampa for affordability and quality service. They offer mechanical breakdown insurance as an add-on, which is a unique option that covers your car’s parts and systems more comprehensively and cheaper than a typical dealer warranty. Likewise, you can include accident forgiveness coverage in your policy. It’s a rare endorsement that ensures your car insurance rates won’t increase after your first at-fault accident. Drivers over 21 who have been accident-free for five years can get this add-on for free.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:62

2.8/5

Affordability

4/5

Claims

4/5

User Satisfaction

3.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm recevied a MoneyGeek score of four out of five for satisfaction and claims. However, at around $2,230 per year, it only received a 2.81 out of five for affordability. Policyholders have rideshare insurance as optional coverage.

More About State Farm

Drivers working for rideshare companies can get State Farm’s rideshare insurance as an add-on endorsement. It’s a coverage that ensures your personal auto policy is in effect while you’re working for the rideshare company as a driver. It activates all coverages included in your personal auto insurance plicy, aside from liability insurance, as long as your app is on and you’re available for hire.

Read MoneyGeek's State Farm auto Insurance Review
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RESOURCES ON CAR INSURANCE IN TAMPA, FLORIDA

To help you find savings, MoneyGeek broke down the cheapest car insurance companies in Tampa. Likewise, you can use our resources to learn more about car insurance in Florida:

Best Cheap Car Insurance for Minimum Coverage in Tampa

If you’re looking for state minimum policies in Florida, MoneyGeek’s research found that the highest-performing providers in Tampa are:

  • GEICO: 81 out of 100
  • Travelers: 56 out of 100

Our analysis considered various driver backgrounds, including young drivers, old drivers and motorists with violations.

MoneyGeek’s Pick: GEICO

GEICO

pros

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A minimum coverage policy costs $716 per year

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Includes bundling, good student and daytime running lights discounts

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek user satisfaction rating of 4 out of 5

cons

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Doesn’t offer pay-in-full or paperless discounts

COMPANY HIGHLIGHTS

GEICO offers various standard discounts. You can bundle your auto insurance with other GEICO insurance products to get save on your premiums. Likewise, insuring multiple cars and being accident-free for five years can result in discounts on your premiums.

Additionally, GEICO has discount opportunities that aren’t usually found in other car insurance companies. For example, you can get a discount by always wearing your seatbelt. You can also have lower rates if you’re a retired or an active federal employee.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance for Young Drivers in Tampa

MoneyGeek picked the best auto insurance companies in Tampa for young drivers. Our study showed the highest-scoring insurers are:

  • GEICO: 92 out of 100
  • State Farm: 79 out of 100

We based our analysis on a combination of different policy coverages and driving histories for 18-year-old drivers. Generally, car insurance for teens and car insurance for students is more expensive due to their relative lack of experience on the road.

MoneyGeek’s Pick: GEICO

GEICO

pros

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An affordable full coverage policy for a safe driver costs $4,315 per year

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Offers good student and driver’s education discounts

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek user satisfaction rating of 4 out of 5

cons

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Doesn’t offer distant student discounts

COMPANY HIGHLIGHTS

Although car insurance for younger drivers is usually expensive, GEICO offers relatively affordable rates while delivering outstanding customer service. It’s a good idea for younger drivers to find companies with quality service since they are more likely to file a claim.

In addition, GEICO has useful discounts and add-on coverages that are helpful for families with young drivers. Students can save more by having a good academic record or by completing a driver’s education course.

They can also get roadside assistance coverage as an add-on, which pays for expenses related to flat tires, towing, jump starts and lockout services. Likewise, young motorists can include accident forgiveness coverage in their policy. It’s an optional endorsement that ensures a driver’s rates won’t go up after their first at-fault accident.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance for Senior Drivers in Tampa

MoneyGeek scored the city’s auto insurance carriers based on various policy coverages and driving backgrounds for 70-year-old drivers. Our analysis showed that the top car insurance providers in Tampa for senior drivers are:

  • GEICO: 86 out of 100
  • State Farm: 68 out of 100

Although the cost of car insurance for seniors is slightly more expensive compared to middle-aged motorists, it’s still possible to find affordable rates by shopping around and comparing offers.

MoneyGeek’s Pick: GEICO

GEICO

pros

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An affordable full coverage policy for a safe driver costs $1,600 per year

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Offers senior driver and defensive driving discounts

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek user satisfaction rating of 4 out of 5

cons

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Better car replacement or new car replacement coverage are not available.

COMPANY HIGHLIGHTS

Car insurance policies for senior drivers are similar to that of other drivers, but some companies charge older drivers more. Nonetheless, GEICO offers affordable policies that still include rare coverages.

Drivers who complete a defensive driving course can save on their premiums. Likewise, motorists who are over 50 may be eligible for certain discounts.

In addition, GEICO offers coverages that senior drivers may find useful. They provide roadside assistance as an optional rider, which covers the cost of flat tires, towing, jump starts and lockout services. The company also allows policyholders to get rental car coverage, an insurance that pays for a rental vehicle if a driver’s car isn’t operational for more than 24 hours.

Meanwhile, accident forgiveness coverage is an optional add-on that ensures car insurance rates will remain the same after a driver’s first at-fault violation. Lastly, GEICO offers mechanical breakdown insurance, an optional endorsement that covers your car’s parts and systems.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance With a Driving Violation in Tampa

MoneyGeek ranked Tampa’s best car insurance providers for drivers with an at-fault accident. Our analysis revealed the following companies gained the highest scores:

  • GEICO: 87 out of 100
  • State Farm: 75 out of 100

Note that data for this analysis was drawn from a variety of coverages and driver age groups.

Getting a bad driving record can cause a significant increase to car insurance rates. Nonetheless, affordable packages can still be found by shopping around and comparing offers.

MoneyGeek’s Pick: GEICO

GEICO

pros

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An affordable full coverage policy a 40-year-old driver with an accident on their record costs $2,274 per year

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Offers seven out of nine standard discounts

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek user satisfaction rating of 4 out of 5

cons

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Better car replacement or new car replacement not offered

COMPANY HIGHLIGHTS

If you have a driving violation on your record, you can benefit from GEICO’s affordable packages, numerous discount opportunities and quality service.

They offer mechanical breakdown insurance, a rare optional endorsement that includes extensive protections to your car’s parts and systems. Getting this ensures that you won’t have to worry about repair costs in case you end up in an accident.

In addition, GEICO offers discounts if you belong to a partner alumni, fraternity, sorority or professional organization. Installing an airbag, anti-lock brakes or an anti-theft system in your vehicle can also result in savings.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance With a Military Background in Tampa

Generally, USAA is the top car insurance company in Tampa for military members, as they excel in both affordability and customer service.

Based on our study, USAA received a perfect MoneyGeek score of 100 out of 100. This rating is based on data from different driver backgrounds, coverage preferences, age groups and driving records.

However, only veterans and active-duty personnel are eligible for USAA policies. As such, it has been excluded from MoneyGeek’s rankings for most driver profiles.

MoneyGeek’s Pick USAA

USAA

pros

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An affordable full coverage policy costs $987 per year for a 40-year-old driver

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Offers five of the most common discounts, including bundling

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MoneyGeek claims rating of 5 out of 5

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MoneyGeek user satisfaction rating of 5 out of 5

cons

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Only offers three of the seven common coverages

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Does not offer better car replacement coverage

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Only caters to military members, veterans and their families

COMPANY HIGHLIGHTS

USAA is an excellent choice for drivers with a military background as it consistently provides affordable and quality service. The company offers commonly-available optional coverages like roadside assistance, rental car and accident forgiveness. However, they don’t offer any unique coverages.

Still, USAA allows policyholders to take advantage of five out of nine standard discount opportunities. They also have rare discounts such as vehicle storage: you can save up to 60% if you store your car on base. Drivers who were previously insured through their parents and would get their own policies also get a discount. Likewise, motorists can receive a discount based on their yearly mileage.

Read MoneyGeek's USAA Auto Insurance Review

Methodology

MoneyGeek evaluated car insurance providers in Tampa using quotes gathered from insurers in the city and analyses made by research firms such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

To find the best car insurance companies in Tampa for various driver backgrounds, MoneyGeek used the following weighted categories:

  • Affordability (70%): We gathered various average premiums from different providers in Tampa to generate an affordability score. The company with the most affordable policies in the city received a perfect score of five out of five.
  • Customer and claims satisfaction (20%): Our team assessed data and insights from J.D. Power to measure a company’s customer satisfaction. The subcategories, customer service and claims satisfaction, were weighted equally at 10% each.
  • Financial stability (10%): Using AM Best ratings, we evaluated a provider’s ability to fulfill financial obligations despite adverse economic conditions.

To quantify ratings, we scaled each category’s scores to five points and the overall score to 100 points. For the overall affordability score, our team considered factors such as age, driving background and coverage levels. We adjusted as needed when covering certain driver profiles.

Unless stated, full coverage policies in this analysis included the following limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability.
  • Comprehensive and collision coverage with a $1,000 deductible

Visit MoneyGeek’s car insurance methodology to know more about our research processes.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.