Cheapest 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.

Tallahassee drivers pay an overall average of $196 per month for car insurance — lower than the state average of $211 but much higher than the national monthly average of $158.

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.

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.

Best insurer for full coverage: State Farm

full coverage

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User Reviews	4.2 4,847 reviews
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

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Driver Reviews

4.2

Best choiceBased on 8831 verified guest reviews and ratings

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (4,847)

Jannie

October 29, 2024

Verified Review

Good

The insurance is higher than other companies' policies.

Marsha

October 29, 2024

Verified Review

Friendly agents!

Check out their prices!

Linda

October 29, 2024

Verified Review

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

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

Best insurer for digital experience: GEICO

digital experience

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User Reviews	4.0 5,563 reviews
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

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Driver Reviews

4.0

Best choiceBased on 10113 verified guest reviews and ratings

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (5,563)

Herman

October 29, 2024

Verified Review

Excellent

For us, it came down to cost and having all of our insurance with the same company, not farmed out.

Greg

October 29, 2024

Verified Review

It's Expensive

It's expensive.

Robert

October 29, 2024

Verified Review

Unpleasant Experience on Cape Cod

My insurance has gone from $37 a month to $82. Stay far away from this company.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

835

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.74

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

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

Best insurer for usage-based insurance: Allstate

usage-based insurance

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User Reviews	4.0 3,016 reviews
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

Show Details

Driver Reviews

4.0

Best choiceBased on 5531 verified guest reviews and ratings

How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

Reviews (3,016)

Howard

October 29, 2024

Verified Review

They Have You By The Short Hairs

I was on a three-lane highway in heavy traffic and couldn't avoid a piece of metal in my lane. I couldn't swerve or I would have hit other cars. Allstate said the accident was the driver's fault and then doubled my insurance cost.

Hugh

October 29, 2024

Verified Review

Actual Crash Damages vs. Damages Quoted Over the Phone

There were problems getting the correct amount paid out when I made a claim. I had to escalate the issue to the Senior Vice President to get a proper settlement when a deer hit my truck. There was a $5000 difference between what was paid out when the estimator assessed the value of damage to my truck and the actual estimate done by a local car dealership. The Senior Vice President agreed that the amount of damage done was the amount quoted by the local car dealership.

Miriam

October 29, 2024

Verified Review

Best Overall

Check around before choosing. Allstate has been my choice for years.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

833

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.94

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A-

Why we picked this company

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

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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Based on 3,806+ reviews

4.8/5

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.

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.

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

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

• 

  Comprehensive coverage

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

• 

  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.

• 

  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.

• 

  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 $68 for drivers with an incident

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Based on 3,806+ reviews

4.8/5

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 $184 per month for liability coverage.

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: 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 $184 in Tallahassee. Here are Tallahassee’s cheapest car insurance companies for drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI: State Farm

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.

Cheapest car insurance for seniors: State Farm

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 $121 per month.

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

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 $247 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.

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.

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 $211 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.

Tallahassee car insurance FAQs