Car Insurance Tampa: Save with Competitive Quotes!

Are you looking for reliable and car insurance quotes in Tampa? At Colucci Insurance, we know that finding the right auto coverage at the right price is a priority for Florida drivers. We have been offering car insurance in Tampa for over 35 years (since 1990), helping our neighbors navigate the complex insurance market with ease and confidence.

Call 813-972-1947 or use our easy to use Quote Form.

Finding cheap car insurance in Tampa doesn’t mean you have to sacrifice quality coverage. The secret to finding affordable car insurance in Tampa lies in how you shop. As a local independent agent, Colucci Insurance does the heavy lifting for you.

Unlike “captive” agents who only represent one big brand, we provide quotes from multiple insurance companies. This forces carriers to compete for your business, not the other way around. By comparing options, we help you find low cost auto insurance in Tampa that fits your budget and lifestyle. Whether you have a perfect driving record or need a little extra help, we shop the market to ensure you get the best possible rate.

To legally register and drive a vehicle in the Sunshine State, you must carry specific minimum coverages. Florida is a “No-Fault” state, which means your insurance pays for your medical bills regardless of who caused the accident. It is critical that your business stays compliant with state laws to avoid fines or suspension of your registration. 

The minimum requirements for car insurance in Tampa include:

• Property Damage Liability (PDL): $10,000 minimum. This pays for damage you cause to other people’s property (like their car or a fence) in a crash.

• Personal Injury Protection (PIP): $10,000 minimum. This covers 80% of your medical bills and 60% of lost wages after an accident, regardless of fault.

While these are the state minimums required by the Florida Highway Safety and Motor Vehicles (FLHSMV), we often recommend higher limits to fully protect your assets in the event of a serious accident.

We proudly serve cheap car insurance quotes throughout Florida, including Temple Terrace, Thonotosassa, Lutz, Land O Lakes, Brandon, Plant City, Riverview,  Wesley Chapel, Zephyrhills, Dade City, Brooksville, Odessa, Oldsmar, Clearwater, St Petersburg, New Port Richey, Bradenton, Sarasota, Fort Myers, Cape Coral, Gainesville, Ocala, Lakeland, Orlando, Miami, Fort Lauderdale, Jacksonville, Tallahassee and Pensacola.

The cost of insurance varies significantly based on your age, driving history, credit score, and the type of vehicle you drive. While Tampa rates can be higher than the national average due to local traffic and weather risks, pricing is highly individual. The only way to know exactly what you will pay is to get a personalized quote. Contact us today to see how much we can save you.

The “cheapest” company changes from person to person. One carrier might offer the best rate for a 25-year-old driver, while another offers the best deal for a homeowner with two cars. That is why the cheapest quotes consistently come from independent agents like Colucci Insurance. Because we aren’t tied to one provider, we can switch you to whichever company offers the best price for your specific situation.

Tampa, Florida drivers often ask why rates are rising. Several factors contribute to higher premiums here:

• Traffic Congestion: Busy roads like I-275 and I-4 junction increase the frequency of accidents.

• Weather: Hurricanes and tropical storms increase the risk of vehicle damage from flooding and wind.

• Uninsured Drivers: Florida has a high percentage of uninsured drivers, which raises costs for everyone who follows the law.

• Fraud: High instances of insurance fraud in the region can also drive up premiums.

Once you have secured your insurance, you will need to register your vehicle. In Tampa, this is handled by the Hillsborough County Tax Collector. You can visit one of their local branches or handle renewals online. Proof of valid Florida insurance is required before you can get your tag and registration.

Stop overpaying! Call Colucci Insurance today to start saving money.

Call 833-865-3380

Or submit your  Online Quote 24/7 Tampa Auto Insurance Quotes.

Additionally offered in Tampa is General Liability Insurance and Homeowners Insurance.