From work commutes to school drop-offs and everyday errands, car insurance in Tampa, Florida keeps you ready for the road. Kemper Auto offers personal car insurance that helps cover your vehicle, people behind the wheel and property damaged in a covered accident, depending on the coverage you choose.
Your car insurance should make sense for the way you drive. Kemper Auto offers personal car insurance with options that may include:
- Coverage for personal vehicles: Choose available coverage based on your vehicle and driving needs.
- Flexible payment options: Select from available payment plans that work with your budget.
- Help for more drivers: Spanish-bilingual service is available in most areas, and Kemper Auto accepts identification such as a matrícula consular and foreign or international driver's licenses.
- SR-22 and FR-44 filing services: Kemper Auto can assist drivers who need a state filing after certain driving or coverage issues.
Here are the two required coverages:
Florida drivers generally must carry at least $10,000 in PIP coverage. PIP may pay certain medical expenses and other covered costs after an accident, regardless of who caused the crash.
Here are the two required coverages:
Florida drivers generally must also carry at least $10,000 in PDL coverage. It may pay for damage you cause to another person's property in a covered accident.
Florida generally does not require Bodily Injury Liability coverage for most drivers. However, without it, a driver who causes injuries in an accident could be personally responsible for injury-related costs not covered elsewhere.
A typical drive through Tampa may mean commuting from Carrollwood to Westshore, heading to class at the University of South Florida or the University of Tampa, or driving into the city from Brandon or Riverview.
Personal car insurance serves many drivers, including commuters, families with multiple vehicles, college students, new drivers, retirees and military members stationed at or near MacDill Air Force Base.
From Downtown Tampa, Channelside and Ybor City to South Tampa, New Tampa and Temple Terrace, drivers regularly travel busy routes such as I-275, I-4, the Selmon Expressway, Veterans Expressway, Howard Frankland Bridge and Gandy Bridge.
Personal car insurance is generally intended for vehicles that are:
- Owned or leased by an individual or family
- Used for commuting to work or school
- Driven for errands, vacations and everyday personal use
- Shared with household members listed on the policy
Optional auto insurance coverages available
Florida's minimum requirements are just that, minimums. Additional personal vehicle coverage may give you more options when something unexpected happens.
- Bodily injury liability: Although generally optional for Florida drivers, this coverage may help pay for injuries you cause to another person in a covered accident.
- Uninsured/Underinsured motorist coverage: This coverage may help with certain expenses if you're hit by an at-fault driver who has no insurance or not enough insurance. According to the Insurance Information Institute, a study published in 2025 estimated that 15.4% of motorists were uninsured in 2023.
- Collision coverage: Collision coverage may help pay to repair or replace your vehicle after a covered collision with another vehicle or object.
- Comprehensive coverage: Comprehensive coverage may help with covered non-collision losses such as theft and certain weather-related damage, which can be important considerations in the Tampa Bay area during hurricanes, tropical storms and flooding.
- Medical Payments coverage (MedPay): MedPay may help pay certain medical expenses following a covered accident. It is optional and separate from Florida's required PIP coverage.
- Roadside assistance: Roadside assistance may provide help with covered roadside problems such as a flat tire, dead battery or towing need.
- Are you a non-standard driver? Kemper Auto offers: Coverage options for drivers who may have a matrícula consular, foreign or international driver's license, along with SR-22 and FR-44 filing services for qualifying drivers.
A lapse in required insurance can lead to serious consequences in Florida, including suspension of your driver’s license, tag and registration, plus reinstatement fees of up to $500.
Possible consequences may include:
- Suspension of driving privileges and vehicle registration for up to three years
- Reinstatement fees of up to $500
- SR-22 requirement following reinstatement
Florida does not provide a hardship license for a suspension resulting from failure to maintain required insurance coverage. Drivers should review current requirements with the Florida Highway Safety and Motor Vehicles.
Getting car insurance quotes in Tampa doesn't have to take over your afternoon. Having a few details ready can make the quote process easier and help you review coverage options based on your needs.
Before you request a quote, gather:
- Driver information: Have your driver's license or other accepted identification information available.
- Vehicle information: You'll typically need the year, make and model of your vehicle, along with the VIN.
- Insurance and driving details: Be ready to provide your driving history, current coverage if you have it, and the coverage limits and deductibles you're considering.
Ready to begin? Get a quote online or find an agent near you.
Car insurance rates vary from one driver to another based on factors such as ZIP code, driving history, age, vehicle and coverage selections. Getting a personalized quote can give you a better idea of what you may pay.
Looking for affordable car insurance in Tampa? The most useful number is the one based on your own information. Get a quote, call an agent at 1-877-352-0068 or find an agent near you to discuss available options.
You may also qualify for discounts available on eligible Kemper Auto policies. Eligibility and savings vary, so review Kemper Auto's car insurance discounts to see which options may apply to you.
SR-22 and FR-44 insurance in Tampa
An SR-22 is not a type of insurance policy. It is a certificate filed with the state showing that a driver carries required financial responsibility coverage. A driver may need an SR-22 after certain violations or other situations that trigger Florida's financial responsibility requirements.
An FR-44 is a different financial responsibility filing associated with DUI-related requirements in Florida. For a DUI sanction, Florida requires proof of higher liability limits:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $50,000 in property damage liability per accident
Florida typically requires drivers subject to an FR-44 after a DUI conviction to maintain the required coverage for three years.
An SR-22 generally applies to certain non-DUI violations, while an FR-44 requires higher limits for DUI-related violations.
Kemper Auto can assist eligible customers with Tampa SR-22 insurance filing needs by electronically submitting the required information to the state. Kemper Auto may offer SR-22 and FR-44 insurance for eligible drivers, including those with a matrícula consular or qualifying foreign driver’s license.
Contact an agent near you to get started.
