Compare the Cheapest Car Insurance Quotes in Tallahassee, FL

In Tallahassee, an average car insurance policy costs $1,481 yearly, which is $727 less than the state average. While rating various insurance companies based on coverage levels and driver profiles, MoneyGeek found that the cheapest widely available insurer in this city is GEICO, at $1,127 per year on average. MoneyGeek also recommends the best insurers in Tallahassee to help those looking for affordable and quality service.

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Last Updated: 5/16/2022
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For most drivers in Tallahassee, GEICO is the cheapest insurer for both full coverage and minimum coverage policies. Drivers with a speeding ticket will get the cheapest policy from State Farm. While USAA is cheapest in most instances, you must be in the military or a veteran to obtain a policy. Overall, Esurance offers the best balance of quality customer service and affordability in Tallahassee.

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The Cheapest and Best Car Insurance in Tallahassee

The Cheapest Car Insurance Companies in Tallahassee

Full coverage car insurance policies include collision and comprehensive coverages. The most affordable insurers for drivers in Tallahassee looking for full coverage policies are:

  • GEICO: $1,127 per year
  • State Farm: $1,133 per year

USAA has by far the most affordable rates for full coverage at $696 per year, but only Tallahassee drivers who are also members of the military can apply.

There is a 68% difference in cost between the most expensive option, Progressive, at $1,902 yearly, and GEICO, the cheapest widely available option. Rates may vary depending on the liability coverage you choose.

Cheapest Car Insurance in Tallahassee
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $696
  • 2.
    GEICO
    $1,127
  • 3.
    State Farm
    $1,133
  • 4.
    Travelers
    $1,300
  • 5.
    MetLife
    $1,391
  • 6.
    Allied
    $1,609
  • 7.
    Allstate
    $1,610
  • 8.
    Mercury
    $1,779
  • 9.
    Progressive
    $1,902

Rates in this analysis are based on a profile for a 40-year-old male driver in Tallahassee with a full coverage policy, as set out in MoneyGeek’s methodology.

In Tallahassee, you will pay more for full coverage since it adds comprehensive and collision insurance to state minimum liability.

  • Collision insurance: this coverage is for damages caused by a collision with another vehicle or stationary object.
  • Comprehensive insurance: Covers risks other than those caused by an accident, such as theft and vandalism.

If you have an older car, the cost of a full coverage policy may be more than the vehicle’s replacement value. Opting for minimum liability coverage, especially if you’re on a tight budget, may be more affordable than full coverage insurance.

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Cheapest Car Insurance in Tallahassee for Minimum Coverage

If you want the cheapest car insurance in Tallahassee, a minimum coverage policy is the most affordable option. The cheapest insurers for minimum coverage in Tallahassee are:

  • GEICO: $501 per year
  • State Farm: $552 per year

USAA is the cheapest insurer for a minimum coverage policy for Tallahassee drivers in the military. Progressive is the most expensive insurance company at $1,115, which is $614 more than the same level of coverage from GEICO.

Although you will pay lower premiums for minimum coverage, your policy will not have comprehensive and collision insurance. That means you are not fully protected.

The table below shows how much higher liability coverage costs.

Cheapest Minimum Liability Car Insurance in Tallahassee
State Minimum

A state minimum coverage policy in Tallahassee is the cheapest type of policy but also carries the least protection for drivers. Florida state minimum policies only have the minimum liability coverage required by state law, so in the event of an accident, you risk incurring high out-of-pocket costs.

For instance, if you're in an accident and the other driver’s total medical bills reach $15,000, you would be covered for $10,000 and have to pay the remaining $5,000 yourself.

Florida Minimum Liability Requirements

  • Item
    Description
  • Property Damage
    $10,000 for property damage. A more protective level is 100/300/100.
  • Personal Injury Protection
    $10,000 per person.

Cheapest Car Insurance in Tallahassee if You Have Driving Violations

Your car insurance rates will increase when you have a speeding ticket or other violation like a DUI or at-fault accident on your record. The cheapest insurers for drivers in Tallahassee with violations are:

  • Cheapest after a ticket: State Farm, $1,218 per year
  • Cheapest after an at-fault accident: State Farm, $1,303 per year
  • Cheapest after a DUI: State Farm, $1,218 per year

For military members and their families, USAA average premiums for drivers with a ticket are $767 per year and $903 with an at-fault accident, making it the cheapest insurer for these violations. You can bring down your insurance costs over time by improving your driving history. Meanwhile, it can help to compare quotes to find the cheapest car insurance for drivers with bad records.

Cheapest Car Insurance in Tallahassee With a Violation
Speeding Ticket

Average Cost of Car Insurance in Tallahassee

Tallahassee$1,481
Florida$2,208
U.S.$1,424

The average cost of car insurance in Tallahassee is $1,481 per year. Drivers in Tallahassee pay 32.9% less than the state average rate of $2,208 but 4% more than the $1,424 national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Tallahassee

When calculating car insurance costs, providers in Tallahassee use a combination of individual factors like age, location, car make and model, driving history and credit score. As your situation changes, your costs can also increase or decrease. You can also become eligible for better deals and discounts. To find the most accurate rates, it is a good idea to compare personalized quotes on a regular basis.

Compare Car Insurance Rates in Tallahassee

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Car Insurance Companies in Tallahassee

MoneyGeek used a unique scoring system to rank the best insurance companies in Tallahassee to help you find quality service at affordable rates. Based on this analysis, the best auto insurance companies in Tallahassee are:

  • Esurance: MoneyGeek score of 95 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

USAA received the highest MoneyGeek score overall and is the best insurer in Tallahassee for military members, veterans and their families.

The scores were calculated based on several factors, including customer satisfaction, affordability and insurer financial stability ratings by data analytics and consumer intelligence company J.D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Esurance
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Travelers
Score:85

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

5
MetLife
Score:82.5

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

6
Hartford
Score:82.5

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Liberty Mutual
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Auto-Owners Insurance Co
Score:80

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
State Farm
Score:77.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

10
Nationwide
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Progressive
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Safeco
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

In many cases, location impacts car insurance costs. However, this is not the case in Tallahassee since there is almost no variance across different ZIP codes. Drivers residing in ZIP code 32304 pay an average annual premium of $1,481, while those in the 32303 neighborhood pay roughly $1 more per year.

  • Zip Code
    State Minimumper year
  • 32304
    $1,481
  • 32303
    $1,482

Factors That Impact Insurance Costs in Tallahassee

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Tallahassee. How Tallahassee ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities89th/300
handcuffs2 icon
Most Car Thefts17th/300
uninsured icon
Most Uninsured Motorists by State1st/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall18th/300
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Most Rainy Days102nd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Tallahassee are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.