Car insurance costs in Tallahassee vary based on your situation and the companies you explore.
Our data shows Tallahassee’s minimum coverage is 64% higher than the national average.
Periodically shop around for the best rate.
We’ve assessed affordable insurance options in Tallahassee, considering factors like minimum and full-coverage costs, aiding you in finding economical choices.
Key Points:
- Minimum coverage starts at $36/month for good drivers in Tallahassee.
- Full-coverage insurance begins at $141/month for good drivers.
- Top affordable insurers include GEICO and State Farm for minimum and full coverage, respectively.
Best Affordable Car Insurance in Tallahassee
Our top picks for car insurance in Tallahassee, Florida, are GEICO, State Farm, Travelers, and National General.
These companies offer competitive rates for both minimum and full-coverage car insurance, coupled with a wide range of coverage options and exceptional customer service.
Car Insurance Companies in Tallahassee:
| Car Insurance Company | Our Score | Minimum Coverage Monthly Avg | Full Coverage Monthly Avg |
|---|---|---|---|
| State Farm | 4.7 | $41 | $141 |
| GEICO | 4.6 | $36 | $153 |
| Travelers | 4.5 | $62 | $161 |
| National General | 3.6 | $88 | $262 |
All figures represent average car insurance rates for a single, male driver aged 25 to 35, with good credit and a clean driving history. Data sourced from Quadrant Information Services.
Car Insurance Quotes in Tallahassee:
The minimum coverage required in Tallahassee, covering damages if you’re at fault, costs around $92 per month or $1,099 per year, approximately 64% higher than the national average.
For full-coverage insurance, which includes damages to your car from accidents or environmental factors, the average cost is about $244 per month or $2,923 per year in Tallahassee, around 32% more than the national average.
Cheap Liability Insurance Companies in Tallahassee:
GEICO and State Farm offer the most affordable minimum coverage in Tallahassee, with monthly rates of $36 and $41, respectively.
| Car Insurance Company | Monthly Min Coverage Avg | Annual Min Coverage Avg |
|---|---|---|
| GEICO | $36 | $436 |
| State Farm | $41 | $498 |
Cheap Full-Coverage Car Insurance in Tallahassee:
State Farm provides the most economical full-coverage insurance in Tallahassee at $141 per month. GEICO ($153 per month) and Travelers ($161 per month) also offer affordable options.
| Car Insurance Company | Monthly Full Coverage Avg | Annual Full Coverage Avg |
|---|---|---|
| State Farm | $141 | $1,692 |
| GEICO | $153 | $1,835 |
| Travelers | $161 | $1,930 |
Driver Profiles and Tallahassee Car Insurance Quotes:
Your car insurance rates in Tallahassee are influenced by personal factors such as driving history, age, vehicle, credit score, and ZIP code.
The lowest rates for one individual may not be the most economical option for another.
Tallahassee Car Insurance Rates by ZIP Code:
The rates in Tallahassee can vary slightly based on ZIP codes, impacting your car insurance cost by up to 1%. For example:
| Tallahassee ZIP Code | Full Coverage Monthly Avg | Full Coverage Annual Avg | Difference From Tallahassee Avg |
|---|---|---|---|
| 32303 | $242 | $2,908 | -1% |
| 32304 | $245 | $2,938 | 1% |
Impact of Credit Score on Car Insurance Rates in Tallahassee
In numerous states, insurance providers are permitted to factor in your credit score when determining your insurance premiums.
This is due to a correlation between lower credit scores and a higher likelihood of filing insurance claims.
In Tallahassee, if your credit score is less than stellar, you may face higher insurance costs. Conversely, a better-than-average credit score has the potential to lower your rates.
Most Affordable Car Insurance in Tallahassee for Drivers with Poor Credit
If your credit score is less than ideal, it’s advisable to compare insurance quotes from different companies.
GEICO offers budget-friendly rates for drivers with poor credit, with monthly payments of $67 for minimum coverage or $281 for full coverage.
| Car Insurance Company | Monthly Minimum Coverage Avg | Monthly Full Coverage Avg |
|---|---|---|
| GEICO | $67 | $281 |
| National General | $88 | $262 |
| AIG | $97 | $353 |
| State Farm | $103 | $279 |
| United Automobile | $138 | $291 |
| Travelers | $142 | $302 |
| Progressive | $149 | $329 |
| Mercury | $159 | $451 |
| Farmers | $190 | $437 |
| Allstate | $242 | $521 |
Tallahassee Car Insurance Costs by Age
Insurance companies often charge higher rates to teenagers due to their increased risk-taking behavior on the road.
In Tallahassee, 16-year-olds on their individual insurance policies pay approximately $341 per month for minimum coverage or $917 per month for full coverage.
As individuals transition from their teenage years into their 20s and beyond, insurance rates generally decrease.
The most affordable car insurance rates in Tallahassee are typically found for drivers aged 35 to 55.
While seniors may experience slightly higher rates due to an increased accident risk, the overall trend is a decline in rates as drivers age.
Affordable Car Insurance Providers in Tallahassee for Teen Drivers
Despite the commonly higher costs for teenage drivers, certain insurance companies offer more budget-friendly alternatives.
For instance, GEICO provides economical options with minimum coverage rates of $96 per month or full-coverage rates of $404 per month for teens.
State Farm and National General are also affordable choices for 16-year-olds.
| Car Insurance Company | Monthly Minimum Coverage Avg | Monthly Full Coverage Avg |
|---|---|---|
| GEICO | $96 | $404 |
| State Farm | $154 | $488 |
| National General | $171 | $486 |
| Travelers | $248 | $650 |
| AIG | $288 | $1,011 |
| Progressive | $319 | $774 |
| United Automobile | $479 | $867 |
| Farmers | $497 | $1,519 |
| Mercury | $572 | $1,663 |
| Allstate | $591 | $1,307 |
Impact of Driving Records on Car Insurance Costs in Tallahassee
If you have a history of causing accidents or receiving speeding tickets, you can expect higher car insurance premiums.
On average, these incidents lead to rate increases that last for three years.
Our data reveals that drivers with a speeding ticket typically pay 24% more for insurance, while an at-fault accident can result in a 45% increase, and a DUI or DWI can lead to a 34% rise in rates.
Insurance companies employ different methodologies to determine price adjustments, resulting in varied rates among providers.
State Farm, GEICO, and Travelers emerge as cost-effective choices for drivers with various violations.
Below are average rates for those with a speeding ticket, at-fault accident, or DUI.
Car Insurance Company Rates for Violations (Monthly):
| Car Insurance Company | Monthly Minimum Coverage Avg | Monthly Full Coverage Avg |
|---|---|---|
| State Farm | $47 | $155 |
| GEICO | $58 | $237 |
| Travelers | $85 | $212 |
| National General | $105 | $305 |
| AIG | $116 | $416 |
| Progressive | $129 | $279 |
| Mercury | $149 | $381 |
| Farmers | $163 | $414 |
| Allstate | $165 | $391 |
| United Automobile | $214 | $406 |
Cheapest Car Insurance in Tallahassee for a Speeding Ticket:
For drivers with a speeding ticket, State Farm stands out as the most affordable option with average monthly rates of $45 for minimum coverage and $151 for full coverage.
| Car Insurance Company | Monthly Minimum Coverage Avg | Monthly Full Coverage Avg |
|---|---|---|
| State Farm | $45 | $151 |
| GEICO | $58 | $241 |
| Travelers | $77 | $198 |
| National General | $106 | $304 |
| AIG | $121 | $436 |
| Allstate | $124 | $290 |
| Mercury | $129 | $332 |
| Progressive | $129 | $283 |
| Farmers | $162 | $411 |
| United Automobile | $188 | $362 |
Cheapest Car Insurance in Tallahassee for an At-Fault Accident:
In cases of at-fault accidents, GEICO is the most economical choice for minimum coverage, with average monthly rates of $49.
For full-coverage insurance, State Farm offers competitive rates at $162 per month.
| Car Insurance Company | Monthly Minimum Coverage Avg | Monthly Full Coverage Avg |
|---|---|---|
| GEICO | $49 | $200 |
| State Farm | $49 | $162 |
| Travelers | $84 | $214 |
| National General | $119 | $334 |
| AIG | $128 | $448 |
| Progressive | $141 | $311 |
| Mercury | $166 | $435 |
| Farmers | $186 | $473 |
| United Automobile | $188 | $372 |
| Allstate | $217 | $507 |
Cheapest Car Insurance in Tallahassee for a DUI:
For individuals with a DUI, State Farm emerges as the most affordable option for both minimum coverage ($45 per month) and full coverage ($151 per month).
| Car Insurance Company | Monthly Minimum Coverage Avg | Monthly Full Coverage Avg |
|---|---|---|
| State Farm | $45 | $151 |
| GEICO | $66 | $270 |
| National General | $89 | $278 |
| Travelers | $94 | $224 |
| AIG | $100 | $363 |
| Progressive | $116 | $244 |
| Farmers | $140 | $357 |
| Mercury | $152 | $375 |
| Allstate | $154 | $377 |
| United Automobile | $266 | $482 |
Auto Insurance Requirements in Tallahassee
The essential minimum-coverage policy in Tallahassee comprises bodily injury liability coverage and property damage liability coverage.
Florida mandates that drivers maintain insurance policies meeting or exceeding the following criteria:
- $10,000 property damage liability per accident
- $10,000 personal injury protection
Types of Auto Insurance Coverage
Liability:
Bodily injury (BI) liability insurance caters to medical expenses for other drivers and their passengers in accidents where you are at fault. Property damage (PD) liability insurance covers damages to other drivers’ vehicles in accidents where you are at fault.
Collision:
Collision insurance handles damages to your vehicle resulting from a collision with another vehicle or road hazard.
Comprehensive:
Comprehensive insurance covers damages to your vehicle caused by animals, natural disasters, theft, or vandalism.
Medical Payments Coverage (MedPay):
MedPay covers medical bills for you and your passengers after an accident.
Personal Injury Protection (PIP):
PIP covers medical bills and can also extend coverage to lost wages for you and your passengers after an accident.
Underinsured/Uninsured Motorist Coverage (UM/UIM):
This coverage safeguards your property damages (UMPD/UIMPD) and bodily injuries (UMBI/UIMBI) for you and your passengers when involved in an accident with an underinsured or uninsured driver.
Also read: Cheap Car Insurance Syracuse NY
Affordable Car Insurance in Tallahassee: Our Recommendation
Despite Tallahassee drivers paying approximately 64% more than the national average, budget-friendly options exist.
Considering full- and minimum-coverage rates for various scenarios, we recommend GEICO, Travelers, National General, and State Farm for the most economical auto insurance in Tallahassee.
To discover the most cost-effective rates in Florida, it is advisable to compare free quotes from different insurance companies. We suggest obtaining at least three quotes each time you shop for insurance.