Cheapest Auto Insurance in Tallahassee, Florida (2024)
State Farm offers the cheapest rates in Tallahassee, starting at $58 per month.
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Written byJacqueline DeMarco
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Courtney MikulskiSenior Editor, Auto
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Updated November 21, 2024
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Table of contents
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 $177 per month for car insurance — lower than the state average of $203 but much higher than the national monthly average of $154.
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 Mile Auto have the cheapest car insurance in Tallahassee.
Liability insurance in Tallahassee costs an average of $136 per month, and full coverage costs $218.
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 Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $83 | $68 | Full coverage |
| GEICO | 9.0 | $86 | $69 | Digital experience |
| Allstate | 8.9 | $145 | $117 | Usage-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
| User Reviews | 4.2 |
|---|---|
| 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. | $58/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. | $73/mo |
4.2
Best choiceBased on 9037 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 (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
| User Reviews | 4.0 |
|---|---|
| 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. | $60/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. | $75/mo |
4.0
Best choiceBased on 10274 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 (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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
| User Reviews | 4.0 |
|---|---|
| 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. | $102/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. | $126/mo |
4.0
Best choiceBased on 5648 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 (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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 $58 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 $136 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $58 |
| GEICO | $60 |
| Mile Auto | $99 |
| Allstate | $102 |
| Travelers | $121 |
| Mercury | $133 |
| Direct Auto | $140 |
| Safeco | $155 |
| Progressive | $159 |
| Infinity | $169 |
| Foremost | $181 |
| GAINSCO | $195 |
| Dairyland | $197 |
| Bristol West | $215 |
| AssuranceAmerica | $220 |
| National General | $243 |
| The General | $267 |
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 $218 for full coverage. Explore affordable full-coverage car insurance quotes below, based on Insurify data.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $73 |
| GEICO | $75 |
| Allstate | $126 |
| Mile Auto | $128 |
| Travelers | $151 |
| Safeco | $162 |
| Mercury | $167 |
| Progressive | $233 |
| Infinity | $237 |
| National General | $254 |
| GAINSCO | $270 |
| Direct Auto | $271 |
| Foremost | $275 |
| Bristol West | $309 |
| Dairyland | $343 |
| AssuranceAmerica | $365 |
| The General | $379 |
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 $46/mo for liability only and $71/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 November 21, 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 November 21, 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 November 21, 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 November 21, 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]
Coverage ▲▼ | Minimum 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:
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 $67 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 $166 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $58 | $69 |
| GEICO | $60 | $72 |
| Mile Auto | $99 | $121 |
| Allstate | $102 | $123 |
| Travelers | $121 | $147 |
| Mercury | $133 | $173 |
| Direct Auto | $140 | $169 |
| Safeco | $155 | $190 |
| Progressive | $159 | $191 |
| Infinity | $169 | $211 |
| Foremost | $181 | $236 |
| GAINSCO | $195 | $255 |
| Dairyland | $197 | $238 |
| Bristol West | $215 | $261 |
| AssuranceAmerica | $220 | $265 |
| National General | $243 | $295 |
| The General | $267 | $329 |
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 $166 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $58 | $74 |
| GEICO | $60 | $78 |
| Mile Auto | $99 | $132 |
| Allstate | $102 | $132 |
| Travelers | $121 | $158 |
| Mercury | $133 | $185 |
| Direct Auto | $140 | $185 |
| Safeco | $155 | $199 |
| Progressive | $159 | $207 |
| Infinity | $169 | $214 |
| Foremost | $181 | $250 |
| GAINSCO | $195 | $241 |
| Dairyland | $197 | $253 |
| Bristol West | $215 | $278 |
| AssuranceAmerica | $220 | $278 |
| National General | $243 | $314 |
| The General | $267 | $352 |
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: 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 $206 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $58 | $92 |
| GEICO | $60 | $95 |
| Mile Auto | $99 | $157 |
| Allstate | $102 | $161 |
| Travelers | $121 | $191 |
| Mercury | $133 | $194 |
| Direct Auto | $140 | $222 |
| Safeco | $155 | $227 |
| Progressive | $159 | $252 |
| Infinity | $169 | $267 |
| Foremost | $181 | $286 |
| GAINSCO | $195 | $309 |
| Dairyland | $197 | $312 |
| Bristol West | $215 | $340 |
| AssuranceAmerica | $220 | $348 |
| National General | $243 | $385 |
| The General | $267 | $423 |
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: 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 $109 per month.
Here are the cheapest Tallahassee car insurance companies for senior drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $56 | $44 |
| GEICO | $59 | $47 |
| Mile Auto | $95 | $74 |
| Allstate | $100 | $81 |
| Travelers | $116 | $93 |
| Mercury | $130 | $104 |
| Safeco | $136 | $131 |
| Progressive | $166 | $113 |
| Infinity | $179 | $128 |
| National General | $191 | $183 |
| Direct Auto | $208 | $108 |
| Foremost | $217 | $143 |
| GAINSCO | $223 | $161 |
| Bristol West | $244 | $170 |
| Dairyland | $270 | $155 |
| AssuranceAmerica | $272 | $164 |
| The General | $303 | $213 |
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 $225 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| GEICO | $118 | $95 |
| State Farm | $124 | $98 |
| Allstate | $222 | $180 |
| Mile Auto | $245 | $190 |
| Travelers | $270 | $216 |
| Mercury | $292 | $232 |
| Safeco | $308 | $295 |
| Progressive | $404 | $276 |
| Infinity | $420 | $300 |
| GAINSCO | $460 | $332 |
| Foremost | $483 | $318 |
| Direct Auto | $490 | $253 |
| National General | $495 | $473 |
| Bristol West | $514 | $357 |
| Dairyland | $545 | $313 |
| The General | $593 | $418 |
| AssuranceAmerica | $662 | $399 |
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.
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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 $204 per month, while Tallahassee’s average full-coverage car insurance rates are $218 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.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Cape Coral | $233 | $128 |
| Clearwater | $240 | $164 |
| Fort Lauderdale | $310 | $202 |
| Jacksonville | $247 | $148 |
| Miami | $354 | $217 |
| Ocala | $207 | $132 |
| Orlando | $263 | $167 |
| Pensacola | $230 | $131 |
| Tampa | $332 | $232 |
| Winter Haven | $275 | $156 |
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 $136 per month for liability-only insurance and $218 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 $58 per month. GEICO and Mile Auto also offer low liability rates in the area, at $60 and $99 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
- 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.
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Sources
- U.S. Census Bureau. "QuickFacts: Jacksonville city, Florida; Miami city, Florida; Tallahassee city, Florida."
- Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- III. "Do auto insurance premiums go up after a claim?."
- III. "Senior driving safety and insurance tips."
- III. "What determines the price of an auto insurance policy?."
- The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
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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 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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