(800) 956-3728 
Tell us about your residence
Welcome back!
You can pick up from where you left by retrieving your quote below.
Search by Quote ID → Search by Date of BirthMercury Car Insurance in Tampa
Driving through Tampa’s vibrant neighborhoods, from the historic Ybor City to the scenic waterfront of Bayshore Boulevard, calls for auto insurance designed for the local landscape. Mercury’s affordable rates, comprehensive coverage options, and dedicated support allow you to enjoy all that Tampa has to offer with peace of mind. We also offer exclusive discounts to help you save more, including multi-car discounts (up to 16%), accident-free savings (up to 8%), and a paid-in-full discount (up to 15%). Get in touch with a Mercury agent today to explore your options and start saving on your Tampa auto insurance.
Why Choose Mercury for Tampa Car Insurance?
- Local expertise: Our local agents understand the driving conditions in Tampa, from the congested highways of I-275 to the unpredictable coastal weather. Our policies are tailored to protect drivers from common risks, including heavy rainfall and hurricane-related damages.
- Comprehensive coverage options: We provide flexible options that fit your needs and budget. Our policies cover accidents, theft, and weather-related damage, which is essential in Florida’s storm-prone climate.
- Affordable rates and discounts: Mercury is committed to helping drivers save money without compromising protection by providing some of the cheapest car insurance in Tampa. We also offer exclusive discounts to help you save even more, including multi-car savings of up to 16% and a 15% discount for paying in full.
- Excellent customer service: Whether you need a quick quote, help with a claim, or guidance on coverage options, our team is here to ensure you get the best protection at the best price.
Is Auto Insurance Mandatory in Tampa, FL?
Florida mandates that all drivers carry a minimum amount of car insurance to ensure everyone on the road is protected. Additionally, Florida is a no-fault state, meaning that if you get into an auto accident, your insurance policy will cover your medical expenses up to the limit of your personal injury protection (PIP), regardless of who was at fault for the accident. This system is designed to reduce the number of lawsuits filed over auto accidents, making it quicker and easier for everyone involved to get the medical care they need.
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.
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.
What Does Tampa Auto Insurance Not Cover?
While auto insurance in Tampa offers a safety net for many incidents on the road, there are certain situations and items that standard policies typically don’t cover. Here are some common exclusions in auto insurance policies:
- Intentional damage: Any intentional damage to your vehicle that you caused is not covered.
- Personal belongings: Personal items stolen from your vehicle or damaged in an accident are typically not covered under standard auto or comprehensive policies.
- Commercial use: If you use your vehicle for business purposes, such as making deliveries or transporting clients, you might need a separate commercial auto insurance policy. Standard personal auto insurance doesn’t cover incidents that occur during business use.
- Racing and off-roading: Standard policies don’t cover damage that occurs while racing or driving off established roads.
How to Get Car Insurance in Austin, Texas
Finding the best car insurance doesn’t have to be a hassle. Visit our Florida Insurance Agents page to find an agent near you. Compare quotes to find the right coverage that fits your needs and budget, and drive confidently through Tampa knowing you’re getting the best deal with Mercury.
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: Save up to 16% when you insure more than one vehicle.
- Accident-free discount: If you’ve been accident-free and violation-free for three years, save up to 8%.
- Paid-in-full discount: Pay your premium upfront and receive up to 15% off.
- Automatic payment discount: Enroll in auto-pay from your bank account and get 4% off your premium.
- E-signature discount: Sign all your documents electronically and enjoy a 3% discount.
- New business discount: If you're a new Mercury customer with a clean driving record for five years, save up to 14%.
Top-Rated Car Insurance in Florida
For over 60 years, Mercury Insurance has been committed to providing quality coverage at affordable prices while delivering exceptional customer service. Over the years, Mercury has been honored with numerous awards, including being named one of America’s Most Trustworthy Companies by Forbes multiple times. We were also recognized as the Best Insurer for Overall Satisfaction in the Shopping Segment of the J.D. Power 2021 U.S. Digital Experience Study. Read about their experiences.
Drivers love Mercury, too. Here’s what real customers have to say about us:
Great Company with great rates
from Mercury Customer
Bruno in Palm City
First time using mercury for my car insurance. Very pleased with the company customer service, and the rates are incredible.
I am very Happy, so far with Mercury, have already referred
from Mercury Customer
Kelley in Palm Beach Gardens
Great rates!! Strong and Sustainability Involved!! New to Mercury no claims. So far very Happy!!
Excellent service
from Mercury Customer
C in Redington Beach
Every representative I interacted with was exceptional. Very professional, knowledgeable, and helpful.
Learn More About Car Insurance and Get Auto Tips
Curious about how car insurance works? Check out our latest blog posts for insights and tips:
Does Bundling Home and Auto Insurance Actually Save You Money?
Is Florida a No-Fault State? Here’s What You Need to Know
What to Expect When You File an Insurance Claim