Cheap Auto Insurance Quotes in Tallahassee, FL (2023)

Minimum-coverage car insurance in Tallahassee costs an average of $236 per month, which is $87 cheaper than Florida’s average monthly rate of $323. Tallahassee is just 22 miles from the Gulf of Mexico and generally has a low risk for tropical storms.^[1] Several other factors can affect car insurance costs in Tallahassee, but you still have plenty of options for cheap car insurance. 

How much does car insurance cost in Tallahassee?

Insurance costs vary widely in Tallahassee, so it’s important to compare quotes to ensure you get the best deal for your coverage needs. Insurify’s data scientists analyzed the latest insurance costs in the city to identify the cheapest rates in your area. 

Insurance rates depend on a variety of factors, such as where you live, your age, gender, driving history, and credit.^[2] Based on Insurify data, the following companies are the cheapest options for car insurance in Tallahassee:

• Assurance America Economy has the cheapest liability-only insurance coverage in Tallahassee.

• Hugo has the cheapest full-coverage insurance in Tallahassee.  

• Hugo has the cheapest insurance for new or young drivers in Tallahassee.

Learn More: Cheap Auto Insurance in Florida 

Average cost of auto insurance in Tallahassee

The average monthly cost for car insurance in Tallahassee is $264. This average takes into account both full-coverage and minimum-coverage rates. Each insurance company calculates its rates differently based on factors like your age, driving history, credit, and ZIP code, so your quotes will vary depending on the insurer you choose.

Here’s how the average monthly rate for car insurance in Tallahassee differs by insurer. 

Cheapest car insurance in Tallahassee: Pronto

Pronto is the cheapest insurer in Tallahassee for liability-only car insurance, with an average monthly rate of $99. 

Some factors may affect your car insurance rate more than others, but generally, insurers consider things like the type of car you drive, whether you’re a newer or more experienced driver, and whether you have any infractions on your driving record. It’s important to compare car insurance quotes from multiple providers before selecting a policy. 

Below are the cheapest car insurance rates on average in Tallahassee for both liability-only and full-coverage car insurance. 

How much car insurance do you need in Tallahassee?

Most states require drivers to carry a minimum amount of car insurance coverage. Florida requires drivers to carry the following:

• $10,000 in personal injury protection (PIP)

• $10,000 in property damage liability (PDL)

PIP covers 80% of medical expenses up to $10,000, regardless of who is at fault. PDL covers damage to the other person’s property or vehicle.^[3] 

You’ll need to meet the minimum requirements and show proof of insurance in Tallahassee if you are involved in a car accident or during a routine traffic stop. 

“Knowing how much car insurance you need depends on your potential financial risk,” says Laura Adams, a money expert and award-winning personal finance author. “For example, if you have a high net worth, you need more liability coverage than your state's minimum requirement.”

Adams adds that if you don't maintain enough savings to repair or replace your vehicle after a potential natural disaster or car accident, you may benefit more by having comprehensive coverage. 

Florida DMV information

The Florida Department of Highway Safety and Motor Vehicles is the state’s DMV office. Tallahassee is located in Leon County, which is home to several DMV locations to help Florida residents obtain or renew their license and register their vehicle, as well as various other services. 

You can find local DMV offices in all 67 of Florida’s counties. 

Tips for getting cheap car insurance in Tallahassee

One of the best ways to get cheap car insurance in Tallahassee is by maintaining a clean driving record. Also, consider bundling your car insurance with renters or homeowners insurance to receive a discount. Some insurers also offer discounts for not having accidents or moving violations in recent years along with if your vehicle has anti-theft protection.

Another way to save money on car insurance is by comparing quotes from at least three different insurance companies. This will help you compare coverage features and other aspects of policies side by side to get the best deal.

How age affects car insurance rates in Tallahassee 

Car insurance rates tend to be higher for drivers under 25. Younger drivers have less experience on the road, which puts them at a greater risk for accidents. 

Generally, insurers see more accidents for drivers under 25 and over 65.^[4] This means you may see premiums drop once you become 25, only to see them rise again when you approach retirement age. 

Here are some average car insurance rates in Tallahassee based on your age. 

Cheapest car insurance for young drivers in Tallahassee

Hugo offers the cheapest car insurance for young drivers in Tallahassee, with an average monthly rate of $160. You may be able to save money on car insurance as a young driver if you enroll in a driver safety program. Some insurers offer these programs and give drivers a discount for successfully completing them.

Cheapest car insurance for middle-aged drivers in Tallahassee

Hugo has the cheapest car insurance for middle-aged drivers in Tallahassee, with an average monthly rate of $119. If you have homeowners or renters insurance, consider bundling it with your car insurance to lower your rates.

Cheapest car insurance for senior drivers in Tallahassee

Hugo also offers the cheapest car insurance for senior drivers in Tallahassee, with an average monthly rate of $40. Maintaining a clean driving record to avoid accidents can also help you save since some insurers offer discounts to drivers who remain accident-free year after year.

How credit scores affect cheap car insurance in Tallahassee

Your credit score is a significant factor that insurers use to determine car insurance rates. Insurers look at your personal credit score to determine your insurance credit score, which indicates your past claim history and the likelihood that you’ll file another insurance claim. 

Some states prohibit car insurance companies from using credit scores to determine insurance rates, but Florida isn’t one of them.^[5] A personal credit score of 700 or higher is considered good, according to Experian.  

The table below shows the average monthly rate you could pay for full-coverage car insurance based on your credit score. 

The effect of driving habits on car insurance in Tallahassee

Insurers also use your driving record to determine car insurance rates. Past car accidents, speeding tickets, and moving violations can cause your premiums to increase. By keeping a clean driving record, you can expect to spend less on car insurance.  

The tables below provide insight into how certain driving infractions can affect car insurance rates for Tallahassee drivers. It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.

Cheapest car insurance with an accident in Tallahassee: Hugo

Getting into an accident can increase car insurance premiums, especially if you’re found responsible for causing the accident.

Cheapest car insurance with a DUI in Tallahassee: Safeco

Driving under the influence of alcohol or other substances is a serious violation that can result in legal consequences. Your insurance premiums are also likely to increase with a DUI on your record.

Cheapest car insurance with a speeding ticket in Tallahassee: AssuranceAmerica

Law enforcement in Florida issued more than 663,000 citations for speeding in 2021, according to Florida Department of Highway Safety and Motor Vehicles data.^[6] Speeding may be a common violation, but it can also lead to accidents, injuries, fatalities, and insurance claims. This is why insurers tend to charge more to drivers who have speeding tickets.

Car insurance in other Florida cities

Florida is home to several large cities, and car insurance costs can vary widely from city to city — even within the same state. Here’s a look at average car insurance rates in some other Florida cities:

• Cheap Auto Insurance Quotes in Miami, FL

• Cheap Auto Insurance Quotes in Tampa, FL

• Cheap Auto Insurance Quotes in Orlando, FL

• Cheap Auto Insurance Quotes in Jacksonville, FL

• Cheap Auto Insurance Quotes in St. Petersburg, FL

How to save on car insurance in Tallahassee

You have several options when it comes to saving money on car insurance in Tallahassee. Here are a few practical ways to lower your premium.

• Increase your deductible. Increasing your deductible means you’ll pay more up front if you need to file an insurance claim before coverage kicks in, but it could lower your monthly rate.

• Ask about discounts. Don’t just assume your insurer doesn’t offer discounts for certain things. Ask if you qualify for discounts, such as bundling car insurance with homeowners insurance or for safe driving.

• Improve your credit. In Florida, insurers do factor credit score into rates, so try to increase your score by paying bills on time and keeping credit card balances low.

• Practice safe driving habits. Driving safely will help you avoid violations, which almost always increase car insurance premiums.

• See if you qualify for a student discount. Some insurers provide discounts to students with good grades or those who have completed a driver safety program.

• Compare car insurance rates. Shop around by gathering quotes from at least three different insurance companies so you can compare rates for the coverage you need.

Check Out: Compare Home and Auto Insurance Bundles

Tallahassee driving conditions

Tallahassee is home to almost 200,000 people. Like many other cities, drivers see occasional road closures and traffic during peak traveling times of the day. In Leon County, ​​5,596 accidents were reported in 2020.^[7] 

The Tallahassee Regional Transportation Management Center partners with the Florida Department of Transportation to control 350 traffic signals in the area, detect accidents, and provide real-time traffic updates to Tallahassee residents. 

Residents can also visit the Tallahassee Driver Information System to get real-time updates on road conditions and traffic to better plan their transportation routes during the day.

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