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We Are Car Insurance Specialists

We are the #1 Florida state auto insurance specialists, let us find you the cheapest car insurance in Florida, Texas, and Tennessine with best coverage. The best way to find cheap car insurance in Tampa is to compare policy offerings and discounts after getting quotes.

No more searching for “cheap car insurance near me” — we do all of the work for you! Yes, you can get your policy over the phone in 30 minutes. All you need to do is to fill and submit the online quote form, and enjoy your day, and we will do the hard part. Our group of agencies can be found in Tampa, FL and Dallas, TX, however, we serve clients throughout entire state of Florida, Texas, and Tennessine. Our licensed agents work really hard to gain your trust, understand all your needs and will provide you with the best coverage at the cheapest rates.

Car insurance in FL

At Insurance Direct we shop multiple carriers for the best rate within minutes!

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Great Discounts

Great discounts to help you save on car insurance: Safe Driver Discount, Homeowner Discount, New Car Discount, Multi-Car Discount, Multi-Policy Discount.

Easy, Fast & Free Quotes

Easy, fast & free quotes. Get your policy 100% online or over the phone in minutes. Your insurance coverage is designed to meet your needs.

Lowest Down Payment

Get the lowest down payment and lowest monthly payments, without extra fees.

Recently in car accident

Recently in car accident? Filing an accident claim means you are likely to pay more for your car insurance coverage.

Need SR22 or FR44?

Let us help you with SR22 or FR44 Certificate. You might stop searching and fill our online form.

Tickets - No Problem

If you get a speeding ticket you’ll see an increase for next 3 years in what you pay for car insurance. But even with a traffic ticket, comparing rates can save you money.

We Specialize in Getting The Most Competitive Rate For Drivers With:

Accidents, Tickets, DUI, Need SR-22 or FR-44 Certificate.
Only want Florida state minimum coverage or want full coverage. Let us customize your coverage and apply all possible discounts.
No current insurance coverage or suspended license.
Cheap car insurance quote in Florida.

Low Cost Coverage You Can Trust

Affordable policies for high-risk drivers who have been turned down elsewhere due to tickets, DUI, accidents, or SR-22.
English and Spanish-speaking licensed agents available to answer your questions.
Our insurance experts will help you find the right policy.

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Don’t overpay for auto insurance in Florida! Take 4 minutes to fill out the form or give us a call at (813)849-7000. Get the cheapest car insurance quote and start saving up 56% today!

Complete the form below and you will be contacted by one of our licensed agent in minutes. If after business hours, we will contact you the next working day with your quote. We will provide you with the same great service that has kept us in business in Tampa Bay for years because we feel that our customers come first.

Frequently Asked Questions

Florida is a no-fault state. If you have an accident, your provider will automatically pay for certain damages, regardless of fault, up to a specified limit. Texas is an At-Fault state. Tennessee is a At-Fault state.

Texas is an At-Fault state. This means that the driver responsible for the auto accident is also responsible for paying for damages.

Tennessee is an “At-Fault” or “TORT” state, which means the driver who is at fault for an auto accident is responsible for paying for other people’s injuries and property damage resulting from the accident.

Florida’s average rate per year is $1,823 and is the 3rd most expensive state to insure vehicle in the USA. In Texas is $1,565 and in Tennessee is $1,354.

The minimum coverage in FL is 10/20/10. Plus PIP coverage of $10k. Bodily injury liability is not required by Florida state law, but is required by some insurance carriers.

The cheapest ZIP code in Florida are 32459 – Miramar Beach: $1,137 and 33825 – Coral Springs: $1,175.

The most expensive ZIP code in Florida are 33136 – Miami: $3,485 and 33135 – Coral Gables: $3,418.

In the State of Florida you are required to have Personal Injury Protection (PIP) and Property Damage Liability (PDL). You must have a minimum of $10,000 in PIP and another $10,000 in PDL.

In the State of Texas you are required to have Property Damage Liability (PDL) of minimum $25,000 and Bodily Injury (BI) of $30,000 per person, ($60,000 per accident). Personal Injury Protection (PIP) coverage is optional in Texas.

In the State of Tennessee you are required to have Property Damage Liability (PDL) of $15,000 and Bodily Injury (BI) of $25,000 per person, ($50,000 per accident), but Personal Injury Protection (PIP) coverage is optional.

Please fill the quote form to compare rates, it is easy, fast and free. Customers choose us for affordable rates and excellent service.

While PIP and PDL are the only state requirements in FL, there are other optional coverages such as Bodily Injury Liability (BIL) that can protect you in case of accidents. It is always important to browse options and find coverages that work for you. Please contact our agents for more information about coverages.

Yes, you can cancel your insurance policy at any time, but you likely will not receive a refund unless you paid your premium in advance. Please don’t cancel your existing coverage until you have a new policy in place with us.

Yes, of course only if they are a licensed driver. Auto insurance for young drivers is often more expensive because they have less experience. One way to save money is to browse student discounts with our insurance agent to find deals for high-performing students.

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