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Cheap Car Insurance in Tampa, Florida

Looking to know more about Tampa and how you can get cheap car insurance? Well, Tampa is a great place to be if one likes to be outside, and proof of this is the fact that Forbes magazine rated this city as the fifth best outdoor city. Just one example of how people spend their time outside is in the several sports teams that make their home in Tampa, including the Tampa Bay Buccaneers, the National Hockey League and the Tampa Bay Rays.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Tampa, Florida. Get your free customized auto insurance quote today!

Driving Conditions in Tampa

Tampa residents who are uncomfortable driving in the rain have more difficulties during the summer months when the city receives most of its rainfall. Tampa may experience light freezes during the winter months, but hard freezes are rare. Snowfall is extremely sporadic, and the last time that officials could measure the snowfall was in 1977. Judging by how people reacted to the 0.2 inches of snow that fell at that time, Tampa residents know that any subsequent snowfall will cause traffic to stand still.

Odd Laws in Tampa

Cross dressing men will be disappointed in Florida because it is illegal for them to appear in public in their strapless gowns. Passing gas is perfectly acceptable in the morning and afternoon hours in Florida, but people are required by law cease this behavior promptly at 6:00 p.m. if they are in a public place.

Crime Statistics in Tampa

The U.S. Census Bureau recorded 3,754 separate property crimes in Tampa for last year. Included in this number are 394 automobile thefts, 1,014 burglaries and 2,346 larcenies.

In 2015, according to the FBI, 596 vehicles were reported stolen in Tampa, and 8,366 property crimes were reported.

Safety Requirements in Tampa

Seat Belt Law

In Florida, all drivers, front-seat passengers and passengers under 18 must fasten their safety belts, according to the Florida Department of Highway Safety and Motor Vehicles. Drivers and passengers 18 or older can be cited if they or any passenger under 18 are not properly strapped in. A driver will be charged with a seat belt violation if any passenger under 18 is not restrained with a seat belt or child restraint device.

Under Florida law, children 5 and under must be secured in a child restraint device. Children 4 and 5 must secured in a separate carrier, an integrated child seat or a child booster seat.

Helmet Law

Florida requires motorcycle riders under 21 to wear a helmet. If you are over 21, you are not required to wear a helmet. If you do go without a helmet, you must carry $10,000 worth of medical payment insurance.

Distracted Driving Law

Texting while driving is illegal in Florida. However, talking on a cellphone while driving is allowed. A first-time offense under the texting-while-driving law can result in a $30 fine.

Impaired Driving Law

In Florida, a driver 21 and over can be charged under the DUI law if he or she has a blood alcohol concentration (BAC) of 0.08 percent or higher. A first-time offender faces a maximum penalty of one year of probation, a one-year license suspension, a $1,000 fine, 50 hours of community service, a six-month installation of an interlock ignition device and impoundment of your vehicle for 10 days.

If a driver’s BAC is at least 0.15 percent, a first-time offense can result in a maximum of one year of probation, nine months in jail, a one-year license suspension, a $2,000 fine, 50 hours of community service, a six-month installation of an interlock ignition device and impoundment of your vehicle for 10 days.

If a driver is under 21, the BAC threshold is 0.02 percent. DUI penalties increase if the BAC is 0.08 percent or above.


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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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