Cheapest Auto Insurance in Tallahassee, Florida (2024)

Amid red, rolling hills and a quick drive to the Gulf of Mexico, Tallahassee residents enjoy warm weather year-round.

Tallahassee drivers pay an overall average of $196 per month for car insurance — lower than the state average of $234 but much higher than the national monthly average of $160.

Despite its status as Florida’s capital, Tallahassee has fewer residents than other major cities, like Jacksonville and Miami, which can contribute to its lower rates.^[1] Plus, Leon County had much fewer car crashes than Miami-Dade and Duval counties in 2021, further helping keep car insurance premiums lower than other metropolitan areas.^[2]

Here’s what you need to know about comparing quotes and getting affordable car insurance in Tallahassee.

3 of the cheapest car insurance companies in Tallahassee

When shopping for cheap car insurance in Tallahassee, Florida, consider your specific needs and circumstances carefully. Factors such as your driving record, vehicle model, and preferred coverage selections can influence which company has the cheapest rates for you.

Here are some of the best car insurance companies in Tallahassee and their standout features.

Best insurer for full coverage: State Farm

Best insurer for digital experience: GEICO

Best insurer for usage-based insurance: Allstate

How to get the cheapest car insurance in Tallahassee

Securing affordable car insurance rates in Tallahassee is easier with these essential tips in mind:

• Practice good driving habits. Make safe driving a priority to maintain a clean record. Obey traffic laws, avoid accidents, and prevent violations to keep your premiums as low as possible.

• Bundle policies. Consider bundling your car insurance with other policies, like renters insurance, business insurance, or home insurance, to potentially qualify for multi-policy discounts.

• Ask about discounts. Be sure to ask about other available discounts, such as those for good driving records, vehicle safety features, or good grades, particularly if you have a teenage driver in your household.

• Compare different companies. Take the time to shop around and compare car insurance quotes from multiple insurance companies in Tallahassee. Compare the quotes to find the insurer that offers you the best price for the coverage you need.

• Maintain good credit. Insurers in Florida can use your credit history to determine premiums, so increase or maintain your credit score to get lower rates.

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Cheapest liability-only car insurance in Tallahassee: State Farm

Liability insurance provides coverage for other parties’ injuries and property damages when you cause an accident. In Florida, liability insurance meets the state’s minimum requirements for property damage liability and personal injury protection. Because liability insurance is the bare minimum you need to drive legally, it’s often the cheapest car insurance you can buy.

Liability insurance in Tallahassee costs an average of $152 per month. Here, you can explore affordable liability-only policies from the following car insurance companies.

Cheapest full-coverage car insurance in Tallahassee: State Farm

Liability-only car insurance may protect you from liabilities when you cause an accident, but it won’t pay for your vehicle repairs. If you want more protection, consider full-coverage car insurance, which includes comprehensive and collision insurance. This extensive coverage is especially beneficial for drivers with valuable vehicles, people in accident-prone or high-theft areas, or anyone seeking maximum protection for personal and third-party damages.

Tallahassee drivers pay a monthly average of $240 for full coverage. Explore affordable full-coverage car insurance quotes below, based on Insurify data.

Car insurance requirements in Florida

Florida drivers must adhere to minimum insurance requirements, which include personal injury protection (PIP) and property damage liability insurance. PIP insurance covers 80% of medical expenses for covered injuries, up to $10,000, regardless of fault.

For damages you cause in an accident, property damage liability insurance steps in to cover the costs. It’s essential to maintain continuous coverage on your vehicle, even during non-use periods, to ensure compliance with Florida’s laws.

Here are Florida’s minimum car insurance requirements:^[3]

Florida car insurance minimum requirements are notably sparse compared to other states. It may not be enough protection for various situations, like vehicle rollovers or car theft. For more protection, you can enhance your auto insurance policy with these optional coverages:

• 

  Collision coverage

  Collision insurance pays for collision-related damages with other vehicles or objects, regardless of who’s responsible.

• 

  Comprehensive coverage

  Comprehensive insurance covers theft and damages caused from events other than collisions, such as fire, vandalism, falling objects, and natural disasters.

• 

  Gap coverage

  Gap insurance pays the difference between your auto loan balance and the insurance settlement in case of a total loss. It’s a good idea for people who finance or lease their vehicles.

• 

  Uninsured/underinsured motorist coverage

  If someone without insurance — or policy limits too low to cover your damages — causes an accident with you, uninsured/underinsured motorist coverag kicks in to pay for excess costs.

• 

  Glass coverage

  This includes coverage for windshield and glass damage and may even offer no-deductible coverage for side windows, rear windows, and glass sunroofs.

Cheapest car insurance for drivers with an incident

If you’re a Tallahassee driver with a history of incidents, such as speeding tickets, driving under the influence (DUI), or at-fault accidents, you may face higher insurance premiums. Finding affordable car insurance becomes difficult with a poor driving record, but it’s still important to shop for rates. 

Here are some of the cheapest car insurance companies, based on driving history.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Insurance companies consider speeding risky driving behavior, elevating the potential for future accidents and claims. Consequently, your insurance premiums are likely to increase after getting a speeding ticket, even if you didn’t cause an accident.

Drivers in Tallahassee with a speeding ticket pay an average of $182 per month for liability coverage.

Here are the cheapest car insurance companies in Tallahassee for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Leon County had 6,604 car crashes in 2021, an increase of more than 17% from the previous year.^[2] Having an at-fault accident on your record can cause a significant surge in your car insurance rates, as it indicates a higher likelihood of future claims to insurance companies.^[4] Prioritizing defensive driving and avoiding accidents not only keeps you and others safe on the road but also helps keep your insurance premiums affordable.

The average monthly rate for liability coverage for drivers with an accident on their record is $182 in Tallahassee. Here are Tallahassee’s cheapest car insurance companies for drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI: Hugo

Leon County reported 83 alcohol-related crashes in 2021, a 33% increase from the previous year.^[2] Insurance companies consider DUIs a significant risk factor, suggesting a higher potential for accidents and claims. As a result, your insurance premiums are likely to increase after a DUI.

The average rate in Tallahassee for drivers with a DUI is $230 per month for liability coverage. Additionally, Florida may require you to file FR-44 insurance, which has higher minimum insurance requirements.

The table below shows the cheapest auto insurers in Tallahassee for drivers with a DUI on their records.

Cheapest car insurance for seniors: Hugo

Age is a crucial factor insurance companies consider while determining your car insurance premiums. As drivers accumulate experience and enter their mid-30s, rates typically decrease. But around age 70, premiums may increase slightly due to factors like potential health issues and increased accident risks.^[5]

But senior drivers in Tallahassee still pay lower-than-average premiums compared to other age groups. The average liability rate for seniors is $124 per month.

Here are the cheapest Tallahassee car insurance companies for senior drivers.

Cheapest car insurance for teens: GEICO

Teenagers and young adults frequently pay higher car insurance rates than older drivers, primarily due to their limited driving experience and higher-risk profiles.^[6] For instance, Leon County reported 1,118 crashes in 2021 involving teens ages 15 to 19 years old.^[2]

The average rate for teens in Tallahassee is $238 per month for liability coverage.

But teenagers can get affordable car insurance by staying on a parent’s policy, qualifying for student-centric discounts, and driving safe, reliable vehicles.

The table below shows the cheapest car insurance companies for teens and young adults in Tallahassee.

Tallahassee car insurance quotes by credit tier

While Florida insurance companies can take credit histories into account while determining insurance rates, they can’t be the sole criteria for setting premiums.^[7] Having a good or excellent credit score can lead to lower premiums for Tallahassee drivers, as it indicates a lower risk of filing a claim. Conversely, drivers with poor credit scores may pay higher premiums due to the perceived higher risk associated with their credit history.

To find out the average monthly quotes in Tallahassee based on credit tiers, refer to the chart below.

Is car insurance more expensive in Tallahassee?

Compared to the national average, car insurance in Tallahassee is expensive. On average, full-coverage car insurance in the United States costs $214 per month, while Tallahassee’s average full-coverage car insurance rates are $240 per month.

But compared to average rates in other Florida cities, Tallahassee isn’t an expensive area for car insurance. Car insurance rates can vary considerably due to factors like weather conditions, crime rates, and traffic volume within a city and its ZIP codes.^[6]

More cities in Florida

Here’s how average car insurance quotes in Tallahassee compare to some other Florida cities.

Tallahassee car insurance FAQs