Cheapest Car Insurance In Tallahassee, FL

After investigation has revealed State Farm as the best cheap option for car insurance in Tallahassee.

min read
Updated: 10 February 2024
Written by
Bob Phillips
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Tallahassee, a city known for its lively charm and scenic beauty, has earned recognition for its inviting ambiance and sunlit shores. Numerous individuals from the Northeast, along with seasonal sojourners seeking solace in winter residences and beachside condos, have found their haven in Tallahassee. This picturesque urban landscape accommodates a diverse array of vehicles, from cars to trucks, lending a dynamic touch to the city’s character.

Car insurance in Tallahassee comes with an average annual cost of roughly $1,607. This places it lower than the statewide average ($2,309), though it slightly surpasses the national average of $1,548.

Within this assessment, our aim is to guide you towards the best selections. We’ll not only steer you towards the most cost-effective choice overall (State Farm), but also showcase the best alternatives for comprehensive coverage (Travelers), minimum coverage (GEICO), coverage after a driving violation (USAA), and even alternatives tailored for senior drivers (Progressive).

Cheapest And Best Car Insurance Companies In Tallahassee, FL 2024

Best Car Insurance, Tallahassee 2024

Comparison Of The Cheapest Car Insurance Companies In Tallahassee, FL

J.D. Power Rating (Florida) AM Best Rating Overall Rating Average Annual Cost Best For Get A Quote
Travelers

818

A++

4.8

$1,352

Full Coverage

Instant Quote
USAA

884

A++

4.9

$848
Increase after violation

Cheapest For Driving Violations

Instant Quote
GEICO

833

A++

4.9

$457

Cheapest Minimum Coverage

Instant Quote
State Farm

840

A++

4.9

$953

Cheapest Overall

Instant Quote
Progressive

810

A+

4.9

$1,604

Seniors

Instant Quote
GEICO

833

A++

4.9

$3,882

Young Drivers

Instant Quote
Scroll to see comparisons

Our Methodology

In the pursuit of identifying the most economical car insurance rates in Tallahassee, we delved into data compiled from diverse car insurance evaluation references. Several of these sources scrutinized rates derived from public records offered by Quadrant Information Services. Our evaluation rests upon an average of these rates; however, it's crucial to acknowledge the fluid nature of rates, subject to frequent adjustments and influenced by individual circumstances.

Furthermore, our comprehensive appraisal is informed by my individual standpoint. This perspective stems from my extensive fifteen-year tenure as a licensed insurance agent, coupled with fourteen years as a Florida resident, and a history spanning over three decades of procuring car insurance.

52

Quotes Analyzed

15+

Years Of Industry Experience

14

Brands Reviewed

27+

Research Hours

Cheapest Car Insurance Companies In Tallahassee, Florida


Cheapest Overall

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

As we reviewed the most budget-friendly car insurance in Tallahassee, Florida, our investigation highlighted State Farm as a top contender across various categories. Notably, what captured our attention was their average rate, encompassing both minimum and comprehensive coverage, which emerged as the cheapest overall.

With a nearly century-long history of insuring vehicles, State Farm has cemented its position in the industry. In fact, it holds the highest number of local neighborhood offices among all insurers in the United States. This insurance provider extends an array of distinctive features and opportunities for drivers to capitalize on:

Diverse coverage choices: Beyond standard coverage, drivers have the freedom to opt for extras like rental car reimbursement, roadside assistance, travel expense insurance, and even rideshare coverage.

Telematics initiative: A technologically advanced program that remotely tracks driving behaviors, rewarding safe practices with discounted rates. This initiative is designed to reduce costs for individuals with limited driving experience.

Esteemed reputation in the industry and the customer service domain: State Farm shines with the highest AM Best ratings, securing an A++ Superior rating for financial strength. Furthermore, it garners strong evaluations in J.D. Power’s assessments of insurers operating in Florida.

Benefits & Drawbacks

Benefits
  • Usage-based insurance discount available
  • Nationwide network of local agents
  • Attractive discount opportunities for teens and students
Drawbacks
  • Higher yearly premiums for drivers with poor credit scores

Cheapest Overall Rates In Tallahassee

Company Rate Per Year
State Farm $953
GEICO $1,235
Direct General $1,347
Farmers $1,591
Mercury $1,380

Cheapest For Full Coverage

Overall Rating
4.8

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claims/Payouts
8/10 Coverage Level

Why We Like Them

When it comes to securing the most budget-friendly full coverage in Tallahassee, Travelers takes the lead. Full coverage entails:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $50,000 property damage liability coverage per accident
  • $100,000 uninsured motorist bodily injury coverage per person
  • $300,000 uninsured motorist bodily injury coverage per accident
  • Collision coverage featuring a $1,000 deductible
  • Comprehensive coverage with a $1,000 deductible

Travelers is one of the most widely recognized companies within the insurance sector, garnering a solid reputation among many. Positioned as one of the largest car insurance providers in the United States, it resonates with individuals who prefer to work with an independent agent, desiring a comprehensive solution for multiple insurance needs.

Travelers excels in distinctive areas. Firstly, they provide gap insurance, a protective measure for your auto lease or loan in case your vehicle is declared a total loss prior to loan settlement or the lease is up. In such scenarios, Travelers bridges the financial gap between your loan balance and your car’s value.

Secondly, Travelers’ Responsible Driver Plan offers considerable advantages. This program extends the leniency of forgiving one accident and one minor violation within a specified timeframe. Consequently, your insurance rates remain unaffected even after encountering a ticket or an accident.

Benefits & Drawbacks

Benefits
  • Competitive rates for comprehensive coverage
  • Extensive range of coverage choices
  • Ranks among the major insurance providers in the U.S.
Drawbacks
  • Customer satisfaction ratings fall below the average
  • No availability of rideshare insurance in Florida

Cheapest Full Coverage In Tallahassee

Company Rate Per Year
Travelers $1,352
Nationwide $1,263
Progressive $1,169
Farmers $1,591
Allstate $1,720

Cheapest For Driving Violations

Overall Rating
4.9

Key Statistics

10/10 Affordability
10/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

If you’ve ever found yourself pulled over and issued a ticket, you’ve likely witnessed an increase in your auto insurance rates, particularly if you’re a younger driver. More serious offenses such as DUI or reckless driving often result in even larger rate hikes.

USAA stands out for its equitable approach in raising rates following incidents like speeding tickets, at-fault accidents, or DUI convictions. Individuals with previous driving infractions have observed smaller rate increases with USAA compared to other auto insurance providers.

USAA offers standard liability coverage as well as comprehensive and collision insurance, similar to other auto insurers. They also present common supplementary options such as roadside assistance, rental car and travel reimbursement, and accident forgiveness.

However, it’s important to note that USAA exclusively caters to active military personnel, veterans, and their families.

Benefits & Drawbacks

Benefits
  • Leading J.D. Power rating for customer satisfaction
  • Full suite of insurance, investment, and banking services
Drawbacks
  • Exclusive eligibility for veterans, active military personnel, and their families

Cheapest For Rate Increase After A Driving Violation

Company Annual Increase
USAA $846
State Farm $1,541
Allstate $1,919
GEICO $1,992
MetLife $2,117

Cheapest For Seniors

Overall Rating
4.9

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

Senior drivers in Tallahassee often find some of the most affordable car insurance rates. Among these options, Progressive stands out with the lowest rates for seniors.

Progressive ranks as the third-largest auto insurance company in the country. It’s recognized for its extensive coverage range and numerous discounts, including coverage for rideshares and injured pets. They even offer coverage types that many other insurers don’t, like gap and rideshare insurance.

Moreover, Progressive highly values its long-term policyholders. If you’ve been with them for five years or more without any accidents, they won’t raise your premiums for significant claims. You can also purchase accident forgiveness insurance and have multiple accidents forgiven.

Benefits & Drawbacks

Benefits
  • Stands as the third-largest personal auto insurance company in the United States.
  • Includes coverage for veterinary expenses related to car accident injuries to pets.
  • Offers rideshare coverage for drivers.
Drawbacks
  • Garners customer satisfaction ratings below the industry average based on J.D. Power assessments.
  • Presents a limited network of available agents.

Cheapest Coverage For Seniors

Company Rate Per Year
Progressive $1,604
Allstate $1,716
Farmers $1,724
Safeco $2,459
Travelers $1,290

Cheapest For Young Drivers

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

In Tallahassee, young drivers encounter the highest car insurance rates due to their limited driving experience and heightened likelihood of accidents.

Amid the available choices, GEICO distinguishes itself by offering the most cost-effective rates tailored to young drivers in Tallahassee. Their average premium is impressively low at $3,451. While this serves as the most economical option for drivers in their teens and early 20s, it may still pose a financial challenge.

Fortunately, GEICO is notably accommodating in terms of discounts. Young drivers have the chance to qualify for a range of discounts, including a noteworthy 15% discount for good students. Additionally, safe drivers can reap a discount of up to 22% for maintaining a record free of accidents. Those with new vehicles aged three model years or less can also take advantage of a discount for new cars.

Moreover, young drivers who have completed a driver’s education class in school or a defensive driving course can further secure additional discounts.

Benefits & Drawbacks

Benefits
  • Presents elevated policy limits for ample coverage.
  • Showcases a top-rated mobile app, enhancing user convenience.
  • Maintains an A+ rating from the Better Business Bureau (BBB).
Drawbacks
  • Does not include the availability of gap insurance.
  • Functions with a limited count of local agents.

Cheapest For Young Drivers

Company Rate Per Year
GEICO $3,882
Allstate $3,995
State Farm $3,345
Travelers $4,290
Progressive $5,223

Cheapest For Minimum Coverage

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

In Tallahassee, our analysis unveiled that GEICO typically offers the most affordable state minimum coverage on average. Florida law mandates drivers to have at least $10,000 in property damage liability insurance and $10,000 in personal injury protection (PIP). It’s important to note that bodily injury liability coverage isn’t obligatory for Florida drivers.

GEICO consistently receives positive marks for customer service, claims handling, customer recommendations, policy renewals, and fostering customer loyalty. As the second-largest auto insurance company in the United States, it has built a reputation for providing budget-friendly rates to customers through online platforms and phone interactions.

GEICO offers a variety of discounts, making it a cost-effective choice for Tallahassee drivers who own older vehicles and want to manage expenses while meeting Florida’s minimum auto insurance coverage requirements. You can conveniently manage your policy through the company’s website and user-friendly mobile app.

Benefits & Drawbacks

Benefits
  • Boasts an above-average J.D. Power rating for customer satisfaction.
  • Presents a fully developed website and user-friendly mobile app.
  • Offers a multitude of available discounts.
Drawbacks
  • Lacks options for gap or rideshare insurance.
  • Operates with a constrained number of available local agents.

Cheapest For Minimum Coverage

Company Rate Per Year
GEICO $457
Mercury $505
Nationwide $595
Travelers $604
Farmers $769

Average Cost Of Car Insurance In Tallahassee

Average Cost In Tallahassee– By Age

Age Group Average Yearly Rate
Teenagers $5,489
20s $2,976
30s $2,451
40s $2,169
50s $2,041
60s $2,078
70s $2,545

Average Cost In Tallahassee – By Gender

Gender Average Annual Rate
Male $2,267
Female $2,293

Average Cost In Tallahassee – By Marital Status

Marital Status Average Annual Rate
Single $2,174
Married $2,175
Divorced $2,241
Widowed $2,185

Average Cost In Tallahassee – By Accident And Violation History

Violation Average Annual Premium
DWI/DUI $3,282
Reckless Driving $3,367
At-Fault Accident (damage <$1,000) $3,084
At-Fault Accident (damage >$2,000) $3,086
Speeding (16-20 MPH > limit) $2,817

Average Cost In Tallahassee – By Credit Tier

Very poor: $4,416
Fair: $2,789
Good: $2,261
Very good: $2,082
Exceptional: $1,853

Average Cost In Tallahassee – By Zip Code

ZIP Code Average Annual Rate
32308 $2,341
32317 $2,402
32307 $2,351
32312 $2,390
32309 $2,310
32207 $2,502

Minimum Car Insurance Requirements In Florida

While you delve into car insurance choices, keep in mind the vital coverage requirements set by Florida law:

• Property damage liability per accident: $10,000

• Personal injury protection: $10,000

These amounts stand as the minimum coverage needed in Florida. Depending on your vehicle and how often you drive, you might contemplate higher limits or opt for collision and comprehensive insurance.

How To Buy Car Insurance In Tallahassee

If you’re currently in the process of buying car insurance in Tallahassee, adhere to these five simple steps for a seamless purchasing journey:

  1. Determine the type of car insurance that aligns with your needs. Reflect on whether you require minimum coverage, full coverage, or an option in between. Take into consideration the value of your vehicle and your yearly driving mileage.
  2. Ensure your personal and vehicle information is on hand. Have details such as your driver’s license number, social security number, Vehicle Identification Number (VIN), and your current mileage prepared.
  3. Obtain quotes from at least three different companies. Make sure that the quotes you’re comparing have similar coverage levels and limits.
  4. Make your decision and secure your policy. While price is a factor, try not to base your choice solely on it. The insurance provider that suits you best might not necessarily be the least expensive.
  5. Cancel your existing policy. Remember, your new insurance company won’t cancel your old policy on your behalf. It’s your responsibility to take care of this. However, avoid canceling until you’re certain that your new coverage is active.

Factors That Impact The Cost Of Your Car Insurance Policy In Tallahassee

When calculating your auto insurance expenses in Tallahassee, insurance companies take various factors into account, including:

State Requirements: Your policy must meet the minimum coverage mandated by Florida state law, which entails $10,000 in damage liability and $10,000 in personal injury protection (PIP).

Your Age: Younger drivers often face higher rates due to their limited experience and increased likelihood of accidents. Generally, rates start to decrease after turning 25.

Your Car’s Make and Model: Safer vehicles generally lead to lower rates. For instance, insuring a recent Toyota Corolla typically costs less than a Chevrolet Corvette.

Driving Record: Previous accidents and traffic violations can result in notable rate increases, as they indicate a higher probability of filing future claims.

Yearly Mileage: Those with lengthy commutes usually pay more compared to individuals who drive less frequently.

Credit History: A higher credit score frequently leads to lower rates. Insurers have observed that individuals with higher scores tend to file fewer claims.

Zip Code: Depending on your workplace and where you park your car overnight, the risk of vandalism or damage to your vehicle can influence your rate. This might result in discounts or rate adjustments.

Marital Status: Married drivers typically receive lower rates than single drivers.

Gender: Men around the age of 45 typically pay around 6% less than females of the same age. However, the gender difference tends to even out for drivers in their 30s.

Florida Car Insurance Laws To Know

Drivers in Florida are obligated to carry a minimum of $10,000 in property liability insurance and $10,000 in personal injury protection (PIP) coverage.

Florida operates under a no-fault system. This signifies that regardless of who is responsible for an accident, insurance companies are required to handle medical expenses.

In The News

As per the Dallas Morning News, Floridians are facing economic difficulties due to escalating expenses, including the highest inflation in forty years. Alongside this, they’re also grappling with the most substantial annual hike in auto insurance rates in more than two decades.

Auto insurance premiums in Florida surged by an impressive 23.8% in 2022, a significant leap from the previous year and the most significant annual increase in over 20 years. This data, sourced from the Florida Department of Insurance, aligns with a 10.8% average rise in homeowners insurance rates within the state the previous year. This marks the most notable yearly increase since 2012.

Information About Tallahassee

Tallahassee, with its vibrant community, expanding population, robust economy, diverse cultural scene, and abundant recreational opportunities, solidifies its status as a dynamic city. Covering an area of 103.5 square miles, Tallahassee offers a blend of natural beauty and urban amenities.

Ranked as the capital of Florida and known for its historic significance and academic institutions, Tallahassee boasts a relatively affordable cost of living compared to other parts of the state. The city’s appeal is complemented by advantageous tax policies, including exemptions from certain taxes. Anchored by multiple educational institutions and government activities, Tallahassee fosters a versatile and skilled workforce.

Car Insurance Discounts In Tallahassee

Car insurance rates in Tallahassee provide a more budget-friendly option compared to larger Florida cities like Tampa and Miami. To effectively manage costs, it’s important to investigate potential discounts. Some of the common discounts include:

  • Having a good driving history
  • Installing vehicle safety features
  • Customer loyalty
  • Being claims-free
  • Driving fewer than average miles
  • Being a student with at least a “B” average
  • Military discount
  • Senior discount

FAQs

How much does car insurance cost in Tallahassee on average?  

On average, full coverage car insurance in Tallahassee comes to about $1,500 annually, while minimum coverage has an average cost of around $500 per year.

What is the cheapest car insurance in the State of Florida?  

For individuals looking for basic liability coverage, GEICO presents the most economical car insurance option in Florida, starting at just $457 per year.

Do I need car insurance in Tallahassee?  

As mandated by Florida law, auto liability insurance is a requirement for drivers in Tallahassee. This coverage provides assurance in the event of accidents.

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