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Cheap Auto Insurance Quotes in Tallahassee, FL (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Tallahassee is $227 per month, or $2724 annually.
- Car insurance in Tallahassee is $20 less than the average cost of car insurance in Florida.
- The cheapest car insurance provider in Tallahassee on average is AssuranceAmericaEconomy, but you should always compare quotes to find your best personal rate.
Car Insurance in Tallahassee, FL
The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Tallahassee, FL to find you the cheapest quotes in the area.
Quotes by Top Companies
GEICO$75
State Farm$134
Progressive$164
Direct Auto$167
Liberty Mutual$175
Cheapest Car Insurance in Tallahassee, FL
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Tallahassee | Quotes |
|---|---|
| GEICO | $75 /mo |
| State Farm | $134 /mo |
| Progressive | $164 /mo |
| Direct Auto | $167 /mo |
| Liberty Mutual | $175 /mo |
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Average Car Insurance Cost
| Florida Cities | |
|---|---|
| Jacksonville | $210/mo |
| Miami | $455/mo |
| Tampa | $482/mo |
| Orlando | $234/mo |
| Tallahassee | $206/mo |
| Florida | $317/mo |
Tallahassee$206
Jacksonville$210
Orlando$234
Average for FL$317
Miami$455
Tampa$482
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in FL
All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:
- $10,000 no-fault or personal injury protection (PIP) insurance
Personal injury protection coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law. Note that while PIP is required in Florida, bodily injury liability is not required by Florida law unless the person has been involved in an at-fault accident or committed certain violations, such as a DUI.
- $10,000 property damage liability (PDL) insurance
The state minimum amount of property damage liability coverag required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.
Find local Tallahassee agents
Butler-Vause, Inc
655 E. Tennessee ST,
Tallahassee, FL 32308Premier Insurance Agency Inc
113 S Monroe St,
Tallahassee, FL 32301Hendrickson Insurance Services
414 N Meridian Street,
Tallahassee, FL 32301Alliance Insurance
1138 E Tennessee St,
Tallahassee, FL 32308Earl Bacon Agency, Inc.
3131 Lonnbladh Rd,
Tallahassee, FL 32308Doug Croley Insurance Services
2814 Remington Green Circle,
Tallahassee, FL 32308Demont Insurance Agency
2400 Mahan Dr,
Tallahassee, FL 32308McKee Insurance Agency, LLC
3512 Maclay Blvd S,
Tallahassee, FL 32312-3914Legacy Insurance Solutions
1400 Piedmont Dr E,
2nd Floor, Tallahassee, FL 32308Baker-Harris Insurance Agency, Inc.
1634-C Metropolitan Blvd,
Tallahassee, FL 32308
FAQs - Tallahassee, FL Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Tallahassee Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Tallahassee, Florida below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Tallahassee drivers measure up to their fellow motorists across Florida in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Nissan Altima
Most Popular Car in Tallahassee
#8
City with the Most Speeding Tickets Rank in Florida
#25
City with the Most Moving Violations Rank in Florida
#58
City with the Most DUIs Rank in Florida
#23
City with the Most Suspended Licenses in Florida
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Tallahassee drivers rank 11 in the number of car accidents per driver across all cities in Florida.
- Rank within state: #11
- Percent of drivers in Tallahassee with an accident: 12.51%
- Drivers in Tallahassee, FL with an accident in their driving history pay on average 30.18% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Tallahassee drivers rank 8 in the number of speeding infractions per driver.
- Rank within state: #8
- Percent of drivers in Tallahassee with a speeding ticket: 11.61%
- Drivers in Tallahassee, FL with a speeding ticket in their driving history pay on average 24.32% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Tallahassee drivers rank 58 in the number of DUI’s per driver across all cities in Florida.
- Rank within state: #58
- Percent of drivers in Tallahassee with a DUI: 0.97%
- Drivers in Tallahassee, FL with a DUI in their driving history pay on average -7.21% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Tallahassee is the Nissan Altima.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Tallahassee drivers rank 63 in rude driving infractions.
- Rank within state: #63
- Percent of drivers in Tallahassee with a reckless driving violation: 1.79%
- Drivers in Tallahassee, FL with a reckless driving violation in their driving history pay on average 19.37% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Tallahassee drivers rank 92 in clean driving records across all cities in Florida.
- Rank within state: #92
- Percent of drivers in Tallahassee with clean record: 78.56%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Tallahassee drivers rank 20 in failure to yield violations per driver across all cities in Florida.
- Rank within state: #20
- Percent of drivers in Tallahassee with a failure to yield violation: 0.61%
- Drivers in Tallahassee, FL with a failure to yield violation in their driving history pay on average 1300% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Tallahassee drivers rank 67 in the number of reckless driving offenses per driver.
- Rank within state: #67
- Percent of drivers in Tallahassee with a reckless driving offense: 0.04%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Tallahassee drivers rank 81 in hybrid and electric vehicle ownership across all cities in Florida.
- Rank within state: #81
- Percent of drivers in Tallahassee with a hybrid/electric vehicle: 0.91%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others