Car Insurance Tampa, FL: Get A Quote | Mercury Insurance (2024)

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Legal Requirements to Drive in Tampa

According to Florida Highway Safety and Motor Vehicles, every driver must carry these minimum auto insurance coverages:

• Personal injury protection (PIP): All motorists must carry a minimum of $10,000 in PIP coverage. This coverage helps pay for your medical expenses, certain non-medical costs like lost wages, and death benefits, irrespective of who caused the accident.
• Property damage liability: In addition to PIP, Florida law requires drivers to have at least $10,000 in property damage liability. This coverage is used to pay for damage you or someone driving your car causes to another person’s property.

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Optional Tampa Car Insurance

While the state mandates PIP and property damage liability as the bare minimum, several optional coverages can provide you with greater peace of mind and financial protection.

• Bodily injury liability: While not mandatory for all drivers, bodily injury liability which covers injuries you cause to someone else — is highly recommended and sometimes required under certain conditions, such as a previous DUI conviction.
• Collision coverage: This pays for repairs to your car if it’s damaged in a collision, regardless of who is at fault. Collision coverage is particularly valuable in a city like Tampa, where dense traffic can increase the likelihood of accidents.
• Comprehensive coverage: Comprehensive insurance covers damage to your vehicle that isn’t caused by a collision. This includes theft, vandalism, fire, natural disasters (such as hurricanes, which can be a concern in Tampa), and hitting an animal.
• Uninsured/underinsured motorist coverage: Despite the law, some drivers on the road may not have sufficient insurance (or any at all). This coverage protects you if you’re involved in an accident with an uninsured or underinsured driver, covering your medical expenses and sometimes even damages to your vehicle.

Get Cheap Auto Insurance in Tampa from Mercury

Finding comprehensive and affordable auto insurance can feel daunting. However, with Mercury, you’re not just getting cheap auto insurance. You’re investing in a policy that reflects the needs of Tampa drivers, ensuring you’re covered without overstretching your budget.

Save More with Discounts

When you choose Mercury, you unlock the potential to save even more with an array of discounts designed to reward safe driving, secure vehicles, and smart behavior on the road. Here’s a glimpse at how you can reduce your auto insurance costs further with Mercury:

• Multi-car discount: If you insure more than one vehicle, you could see substantial savings on each car’s premium.
• Good driver discount: Tampa roads can be challenging, but if you’ve managed to maintain a clean driving record, we reward your safe driving habits with lower premiums.
• Anti-theft device discount: Securing your car is paramount. If your vehicle is equipped with anti-theft devices, you could be eligible for discounts, as it lowers your risk of theft-related claims.
• Full payment discount: If you choose to pay your premium in full at the start of your policy period, Mercury offers a discount to save us administrative costs.
• Auto pay discount: Enrolling in automatic payments not only ensures you never miss a payment but also qualifies you for a discount.
• E-signature discount: Mercury offers a discount when you sign your documents electronically.
• Good student discount: We offer a discount to student drivers who maintain a strong academic record.

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