Best Car Insurance Companies in Tampa, FL

The best car insurance company for you will depend on your specific needs and driver profile. In Tampa, State Farm offers the best overall car insurance. It’s also ideal for young adults, teens on a family policy, seniors and drivers with offenses. Travelers is the best for customer service, while GEICO offers the best cheap policies.

If you value savings above all else, MoneyGeek also rounded up the cheapest car insurance companies in Tampa.

We found that the best car insurance companies in Tampa are:

• State Farm: MoneyGeek score of 76 out of 100 ($1,527 per year)
• GEICO: MoneyGeek score of 74 out of 100 ($1,622 per year)

Among the nine insurers we ranked, State Farm earned the highest affordability and customer satisfaction scores. This means buyers don’t have to pay a high price for quality service. The company also offers the best car insurance in Florida.

We evaluated nine auto insurers in Tampa and concluded that State Farm is the best overall company for car insurance. Its full coverage policies cost an average of $1,527 per year, the cheapest in the city. The company also earned the highest customer satisfaction rating in our study. Travelers won for claims management, but its lower satisfaction and affordability scores brought down its overall average score.

Note that rates are for a full coverage policy, and we only assigned an overall MoneyGeek score to car insurance companies if enough data could be found for all individual scoring components.

Excluding cost from our analysis, we found that Tampa’s best car insurance companies for customer service are:

• Travelers: MoneyGeek score of 60 out of 100 ($1,990 per year)
• State Farm: MoneyGeek score of 58 out of 100 ($1,527 per year)

Travelers ranked the highest out of nine insurers thanks to its high customer satisfaction and coverage ratings. It also has relatively affordable premiums, so its good customer service doesn't necessarily come at a high price.

Auto insurers with great customer service are efficient when addressing a policyholder’s concerns and processing an insurance claim.

Travelers won this category due to its high customer satisfaction rating and its range of essential add-on coverages. In addition, although its claims management rating is below average, it is higher than that of competitors. Our runner-up, State Farm, earned the highest customer satisfaction score in our study but fell short in claims management and coverage options.

Based on our analysis of affordability and service quality for minimum coverage policies, the best car insurance providers in Tampa are:

• GEICO: MoneyGeek of 78 out of 100 ($643 per year)
• State Farm: MoneyGeek score of 74 out of 100 ($786 per year)

Minimum coverage policies often have the lowest rates, but they offer the least amount of liability coverage. The minimum car insurance requirements in Florida apply to all cities in the Sunshine State.

In some cases, you may get inferior customer service in exchange for cheap premiums. The best insurer for minimum coverage policies provides affordable rates and quality service — and you can have both with our top pick, GEICO. Although State Farm has a slightly higher customer satisfaction rating, GEICO has the cheapest rates for minimum coverage.

In Tampa, the best car insurance companies for young adults are:

• State Farm: MoneyGeek score of 76 out of 100 ($1,807 per year)
• Travelers: MoneyGeek score of 73 out of 100 ($2,263 per year)

State Farm received the highest scores in affordability and customer satisfaction, meaning customers can get excellent service at a low cost.

Young adults looking for car insurance should look into an insurer’s affordability, service quality and age-specific discounts. We picked State Farm as the best company for young adults in Tampa thanks to its high rankings for affordability and customer satisfaction. Travelers scored lower in both of these categories, although it offers a wider range of coverage options and has a higher claims management rating.

Teen drivers on a family policy in Tampa may consider these companies as the best option for car insurance:

• State Farm: MoneyGeek score of 76 out of 100 ($5,463 per year)
• GEICO: MoneyGeek score of 75 out of 100 ($6,361 per year)

State Farm’s combined affordability and quality service makes it the best auto insurance company for teens. Because rates for teens are typically expensive, it makes more sense to add them to a family policy than to have them buy an individual policy. In Tampa, teens can save approximately $4,940 per year by joining a family policy.

Companies with the best car insurance for teens tend to offer affordable rates, great customer service, essential coverages and teen-specific discounts. State Farm checks all the boxes as the best company for teens in Tampa. Nationwide has the lowest rates for a family policy, but it fell short in customer satisfaction.

These Tampa companies offer the best car insurance for seniors:

• State Farm: MoneyGeek score of 76 out of 100 ($1,403 per year)
• GEICO: MoneyGeek score of 74 out of 100 ($1,499 per year)

State Farm is our top pick for seniors in Tampa thanks to its combination of affordability and high customer satisfaction. Drivers in their 60s often have similar rates to those in their 30s through 50s, but rates typically increase in their 70s. Shopping around is a great way to find the cheapest premiums.

Auto insurance rates for seniors in their 60s are often lower than other age groups. The best car insurance for this demographic will be affordable and include personal injury protection (PIP) or medical payments, which can pay for medical costs if they are seriously injured in an accident. State Farm performed well in affordability and customer satisfaction. Plus, it offers a unique discount for senior drivers and retired individuals.

These companies in Tampa offer the best car insurance for drivers with bad driving records:

• State Farm: MoneyGeek score of 76 out of 100 ($1,730 per year)
• Progressive: MoneyGeek score of 63 out of 100 ($2,778 per year)

State Farm offers the best blend of affordability and service quality, making it our top choice for drivers seeking auto insurance after an offense in Tampa.

Rates tend to increase with the severity of the violation. For instance, a Tampa driver with a DUI will pay about $1,022 more per year for insurance than drivers with clean driving records, while drivers with a speeding ticket will only pay about $622 more.

Those looking for car insurance after a driving offense should look for a company that offers reasonably priced rates, numerous discounts and core coverages, like roadside assistance. State Farm, our top pick, has limited options for add-on coverages, but it earned high ratings for affordability and service quality. Progressive, our runner-up, has more coverages but higher rates.

For drivers with new cars, the best auto insurer in Tampa is Travelers. Here are our top picks:

• Travelers: MoneyGeek score of 76 out of 100 ($1,862 per year)
• Farmers: MoneyGeek score of 48 out of 100 ($2,872 per year)

Our ranking is based on affordability and service quality for drivers in Florida with a 2022 model car. We only evaluated auto insurers that offer better or new car replacement, which pays to replace your car with a brand new one of the same make and model if yours is totaled in a covered accident. Travelers offers this coverage, along with affordable rates and several other add-on coverage options.

Drivers with new vehicles should look for an insurance provider that offers new or better car replacement coverage. Travelers, our winner, offers this coverage and also has affordable premiums and good customer service according to J.D. Power’s customer satisfaction study and the National Association of Insurance Commissioners (NAIC) customer complaint index. Our runner-up, Farmers, is significantly more expensive and ranked lower for customer satisfaction.

Your best option for car insurance will depend on your needs and driver profile. We answered some commonly asked questions to help you find the best company for you.