Best Cheap 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 and average car insurance premiums lower than the state average. 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]

But Florida average car insurance rates tend to be higher than the national average, and Tallahassee is no exception. The average cost of car insurance in Tallahassee is $275 a month for liability-only insurance and $349 a month for full coverage.

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

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Best 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

Cheapest liability-only car insurance in Tallahassee

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.

Tallahassee residents can explore affordable liability-only policies from the following car insurance companies.

Cheapest full-coverage car insurance in Tallahassee

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.

In Tallahassee, Florida, explore these affordable full-coverage car insurance quotes, 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

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

• 

  Comprehensive coverage

  Extend your protection to cover theft and damages caused from events other than collisions, such as fire, vandalism, falling objects, and natural disasters.

• 

  Gap coverage

  This insurance pays for 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 motorist coverage

  If someone without insurance — or policy limits too low to cover your damages — causes an accident with you, this coverage 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

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.

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

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.^[5] Prioritizing defensive driving and avoiding accidents not only keeps you and others safe on the road but also helps keep your insurance premiums affordable.

Here are Tallahassee’s cheapest car insurance companies for drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI

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. 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

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. However, around 75 years old, premiums may increase slightly due to factors like potential health issues and increased accident risks.^[6] But senior drivers in Tallahassee still tend to pay lower-than-average premiums compared to other age groups.

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

Cheapest car insurance for teens

Teenagers and young adults frequently pay higher car insurance rates than older drivers, primarily due to their limited driving experience and higher-risk profiles.^[7] For instance, Leon County reported 1,118 crashes in 2021 involving teens ages 15 to 19 years old.^[2] 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.

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 score to determine premiums, so increase or maintain your credit score to get lower rates.

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Tallahassee car insurance quotes by credit tier

While Florida insurance companies can take credit scores into account while determining insurance rates, they can’t be the sole criteria for setting premiums.^[4] 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 scores, 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 $172 per month, while Tallahassee’s average car insurance rates are $349 a month for full coverage.

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.^[7] For instance, Miami has more residents and a higher number of crashes annually than Tallahassee, and the average full-coverage quote in Miami is $508 a month — 46% higher than Tallahassee’s.

More cities in Florida

Here’s how the average quote for full-coverage car insurance in Tallahassee compares to other Florida cities’ quotes.

Tallahassee car insurance FAQs