Cheapest Auto Insurance in Tallahassee, Florida (2024)

State Farm offers the cheapest rates in Tallahassee, starting at $59 per month.

Jacqueline DeMarco
Jacqueline DeMarco
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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

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Updated July 18, 2024

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Cheapest recent rates near Tallahassee, Florida

Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $77/mo for full coverage in Tallahassee and other Florida cities.

*Quotes generated for Insurify users in and around Tallahassee, Florida within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Tallahassee, Florida within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.

Quick Facts
  • State Farm, GEICO, and Hugo have the cheapest car insurance in Tallahassee.

  • Liability insurance in Tallahassee costs an average of $152 per month, and full coverage costs $240.

  • Florida is one of the few states that doesn’t require bodily injury liability coverage.[3]

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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm9.3$83$71Full coverage
GEICO9.0$86$73Digital experience
Allstate8.9$145$124Usage-based insurance
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best insurer for full coverage: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$59/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$70/mo

Drivers in Tallahassee can choose from a long list of coverages from State Farm, including liability, comprehensive, collision, medical payments, and more. What sets State Farm apart is its highly rated customer service ratings and years of experience in the insurance industry.

Pros
  • No. 1 in J.D. Power’s customer satisfaction study for Florida

  • Offers plenty of add-on coverages

Cons
  • Gap insurance not available

  • Drivers can’t purchase policies online

Read more driver reviews of State Farm
Maryann - July 18, 2024
Verified

I Hardly Drive and Never Get a Discount

They sign you up for a policy and then it's see ya later.

Don - July 18, 2024
Verified

Disappointed

After being with State Farm for 48 years, I am seriously considering moving all of my insurance elsewhere. Rates on our vehicles, all of which are accident-free, even with discounts, are 40 percent higher than other well-known companies. Our farm and ranch policy, which used to be a blanket policy, has been gutted. But the biggest difference is our agent. Our former agent, who is now retired, always had our best interest in mind. The new agents seem only to care about the company.

Karla - July 18, 2024
Verified

Overpriced Coverage Despite No Accidents or Tickets

I recommend checking around for better quotes and pricing on coverage.

Best insurer for digital experience: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$72/mo

GEICO offers car insurance with cost-effective rates, personalized service, and 85 years of industry knowledge. Plus, it has a highly rated mobile app that policyholders can use to manage their policies, file claims, and track the status of their claims.

Pros
  • No. 2 in J.D. Power’s insurance digital experience study

  • Offers discounts for bundling

Cons
  • Doesn’t sell gap insurance

  • Fewer additional coverages than competitors

Read more driver reviews of GEICO
Joanne - July 18, 2024
Verified

Poor

Geico's rates are way too high.

Lenroy - July 18, 2024
Verified

Thanks

It's a good insurance company, but I'm glad there are other options. Everyone is looking to save money these days.

James - July 18, 2024
Verified

A Little Too Expensive

So-so.

Best insurer for usage-based insurance: Allstate

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$104/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$121/mo

Choosing Allstate for your car insurance can be a smart move for safe drivers looking to save. With easy access to well-informed agents and innovative tools, like the DriveWise app, safe drivers may enjoy substantial discounts on their premiums.

Pros
  • High J.D. Power customer satisfaction rating in Florida

  • Offers coverage for hybrids and classic cars

Cons
  • Average rates are higher than other insurers

  • Trustpilot ratings aren’t satisfactory

Read more driver reviews of Allstate
George - July 18, 2024
Verified

Very Poor Treatment of Client

They cancelled my policy based on some hidden item. They never called me, but sent a letter 12 days after I had paid for the insurance. They still have not returned my money.

Richard - July 18, 2024
Verified

Allstate Rocks!

Allstate appears to be the best insurance provider at this time.

Philip - July 18, 2024
Verified

Communication

Allstate terminated my agent without any warning.

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.

Find Cheap Car Insurance in Tallahassee

Liability rates start at $59 per month

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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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$59
GEICO$61
Hugo$64
Mile Auto$103
Allstate$104
Safeco$116
Travelers$123
Mercury$124
Liberty Mutual$128
Direct Auto$132
Midvale Home & Auto$151
Progressive$154
Infinity$159
Foremost$176
Dairyland$183
GAINSCO$185
AssuranceAmerica$205
Bristol West$219
National General$249
The General$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$70
GEICO$72
Allstate$121
Safeco$141
Mile Auto$143
Travelers$144
Mercury$149
GAINSCO$205
Hugo$215
Liberty Mutual$217
Progressive$218
Infinity$221
Midvale Home & Auto$226
Direct Auto$239
National General$259
Foremost$266
Dairyland$322
AssuranceAmerica$326
Bristol West$326
The General$382
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Tallahassee, Florida

Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $77/mo for full coverage in Tallahassee and other Florida cities.

*Quotes generated for Insurify users in and around Tallahassee, Florida within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Tallahassee, Florida within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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]

CoverageMinimum Requirements
Personal injury protection$10,000 per accident
Property damage liability$10,000 per accident

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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

Find Auto Insurance in Tallahassee

Monthly rates start at $69 for drivers with an incident

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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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$59$69
GEICO$61$72
Hugo$64$80
Mile Auto$103$130
Allstate$104$123
Safeco$116$140
Travelers$123$147
Mercury$124$158
Liberty Mutual$128$168
Direct Auto$132$157
Midvale Home & Auto$151$186
Progressive$154$183
Infinity$159$197
Foremost$176$231
Dairyland$183$218
GAINSCO$185$242
AssuranceAmerica$205$248
Bristol West$219$258
National General$249$294
The General$264$317
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$59$75
GEICO$61$78
Hugo$64$79
Mile Auto$103$142
Allstate$104$133
Safeco$116$144
Travelers$123$158
Mercury$124$169
Liberty Mutual$128$179
Direct Auto$132$173
Midvale Home & Auto$151$205
Progressive$154$200
Infinity$159$201
Foremost$176$246
Dairyland$183$234
GAINSCO$185$227
AssuranceAmerica$205$262
Bristol West$219$277
National General$249$321
The General$264$344
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$59$94
GEICO$61$98
Hugo$64$90
Mile Auto$103$147
Allstate$104$166
Safeco$116$185
Travelers$123$197
Mercury$124$178
Liberty Mutual$128$205
Direct Auto$132$211
Midvale Home & Auto$151$241
Progressive$154$246
Infinity$159$254
Foremost$176$281
Dairyland$183$293
GAINSCO$185$296
AssuranceAmerica$205$328
Bristol West$219$350
National General$249$398
The General$264$422
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull Coverage Liability Only
State Farm$54$46
GEICO$57$48
Allstate$97$83
Mile Auto$108$78
Travelers$112$96
Mercury$113$94
Safeco$115$94
Hugo$153$46
Progressive$155$110
Infinity$166$119
GAINSCO$169$152
Midvale Home & Auto$172$115
Liberty Mutual$174$103
Direct Auto$184$102
National General$201$193
Foremost$207$137
AssuranceAmerica$245$154
Dairyland$256$145
Bristol West$260$174
The General$310$214
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull Coverage Liability Only
GEICO$105$89
State Farm$111$93
Allstate$199$171
Travelers$243$208
Mercury$254$211
Mile Auto$261$188
Safeco$276$227
GAINSCO$340$307
Hugo$350$104
Midvale Home & Auto$364$243
Progressive$368$260
Liberty Mutual$374$221
Infinity$380$273
Direct Auto$408$225
Foremost$442$292
National General$470$452
Dairyland$500$284
Bristol West$518$348
AssuranceAmerica$568$357
The General$573$396
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Auto Insurance in Tallahassee

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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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

CityFull CoverageLiability Only
Cape Coral$248$180
Clearwater$264$218
Fort Lauderdale$325$249
Jacksonville$266$187
Miami$373$258
Ocala$230$158
Orlando$289$202
Pensacola$256$160
Tampa$362$293
Winter Haven$293$201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Tallahassee car insurance FAQs

Understand Florida’s average car insurance costs while you shop for quotes, and read Insurify’s answers to common questions about Tallahassee auto coverage.

  • How much is car insurance in Tallahassee?

    The average cost of car insurance in Tallahassee is $152 per month for liability-only insurance and $240 per month for full coverage.

  • What are the best car insurance companies in Tallahassee?

    Some of the best car insurance companies in Tallahassee include Allstate, GEICO, and State Farm. These insurers have high J.D. Power customer satisfaction ratings, strong AM Best ratings, and high Insurify Quality (IQ) Scores.

    But the best auto insurer depends on your specific needs. Shop for free car insurance quotes with at least three companies to find the one that offers the coverage you need at the best price for you.

  • Which company has the cheapest car insurance in Tallahassee?

    State Farm offers the cheapest car insurance in Tallahassee, with rates starting at $59 per month. GEICO and Hugo also offer low liability rates in the area, at $61 and $64 per month, respectively.

  • How do you find the best car insurance rates in Tallahassee?

    Finding the best car insurance rates in Tallahassee may take a little work on your part. The first thing you can do to find better rates is to compare multiple quotes while you shop. This will let you determine which insurance company offers you the best price. Furthermore, you should shop for car insurance every six months or when your driving profile changes, as you may be able to find better rates.

    Next, you should take advantage of as many discounts as possible. Look for insurers that offer discounts for homeownership, good grades if you’re a student, and low annual mileage.

  • What factors affect your car insurance rates in Tallahassee?

    Your age, credit score, vehicle type, driving record, and ZIP code are personal factors that affect your car insurance rates. But your ZIP code within Tallahassee also influences rates. Your area’s rates of car theft and accidents and the city’s severe weather patterns affect premiums.[6]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S. Census Bureau. "QuickFacts: Jacksonville city, Florida; Miami city, Florida; Tallahassee city, Florida."
  2. Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021."
  3. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  4. III. "Do auto insurance premiums go up after a claim?."
  5. III. "Senior driving safety and insurance tips."
  6. III. "What determines the price of an auto insurance policy?."
  7. The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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