Cheapest and Best Car Insurance in Tallahassee, FL (July 2024)

In Tallahassee, Florida, State Farm offers the cheapest minimum and full coverage car insurance policies. Nationwide is the most economical option for families with teens. Mercury provides the best customer service, and State Farm is the best overall insurer, balancing price and service quality. The best fit for you hinges on individual preferences and coverage needs.

MoneyGeek found that State Farm offers the cheapest car insurance with minimum coverage in Tallahassee. These are the most affordable options:

• State Farm: $534 per year
• GEICO: $595 per year

Meanwhile, Farmers provides the most expensive minimum coverage policy, with an average annual rate of $1,236. The $702 difference between the cheapest and most costly carriers illustrates the significant savings from shopping around for car insurance.

In all cities in Florida, car owners must adhere to the state-mandated minimum insurance coverages. These are the required limits:

• $10,000 property damage liability per accident
• $10,000 personal injury protection (PIP) per person

If you're at fault in an accident, and your minimum coverage policy includes $10,000 for property damage per accident, any cost beyond that amount will need to come from your pocket.

MoneyGeek found that State Farm provides the cheapest full coverage car insurance in Tallahassee.

• State Farm: $1,223 per year
• Travelers: $1,321 per year

Farmers offers the most expensive full coverage policy in Tallahassee, with an annual premium of $2,632. The price difference of $1,409 between the cheapest and the most costly options highlights the importance of comparison shopping to save money. Full coverage policies are pricier than minimum coverage because they provide comprehensive and collision insurance that protect against a wider range of incidents.

Full coverage policies feature increased liability limits. They also encompass both comprehensive and collision insurance:

• Collision Insurance: This provision protects against damage to your car when it collides with another vehicle or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This insurance pays for non-collision-related damage to your automobile, such as that caused by theft, vandalism, fires, severe weather conditions or being hit by an animal.

For drivers with new cars, full coverage insurance is advisable to protect their substantial investment. In contrast, for owners of older vehicles, the cost of additional coverage may not justify the added expense, given the vehicle's value. When gauging how much car insurance you need, it’s important to weigh the pros and cons of increased coverage against the risk of being underinsured.

MoneyGeek found that State Farm is the cheapest company for drivers with a poor driving record in Tallahassee.

• Speeding Ticket: State Farm ($1,375 per year)
• At-Fault Accident: State Farm ($1,488 per year)
• DUI: State Farm ($1,375 per year)

Other companies have significantly higher rates for these incidents. Nationwide has the highest cost for drivers with a DUI at $3,665 per year. Farmers is the most expensive after an at-fault accident and a speeding ticket, costing $3,983 and $3,307 per year, respectively. These rates show how driving infractions can impact car insurance rates, underscoring the importance of maintaining a clean driving record.

In Tallahassee and many cities, car insurance rates escalate with the severity of a driving offense to offset the higher risk insurers take on. For instance, drivers with a single speeding ticket pay an average annual premium of $2,895, while those with a DUI face around $3,275 per year — a notable difference of $380. Individuals with driving infractions should diligently compare insurance rates to ensure they secure the most cost-effective coverage.

MoneyGeek found that Nationwide offers the cheapest car insurance for teens in Tallahassee. These are the two lowest-priced providers for full coverage:

• Nationwide: $2,866 per year for female teens and $3,228 per year for male teens
• State Farm: $3,332 per year for female teens; GEICO: $3,930 per year for male teens

These rates provide insight into the cost of insuring a family with two parents and a teenager. Progressive has the highest annual rate for female teens in Tallahassee at $5,119, underscoring the importance of comparison shopping for policies, especially with teen drivers who are considered higher risk. With a price difference of $2,253 between the cheapest and most costly options for female teens, it's clear there can be significant savings by choosing the right insurer.

In Tallahassee, teens seeking car insurance could face financial hurdles. An individual teen policy costs about $8,205 per year, significantly more expensive than the $4,394 premium when added to a family plan. Insurers typically quote higher rates for teens due to their perceived inexperience and higher risk of accidents, which statistically increase claims. Teens may also struggle to secure an individual policy independently, as their lack of credit history and financial stability often requires a co-signer — most commonly a parent or guardian. A joint family car insurance policy is a more economical and feasible choice for young drivers.

MoneyGeek found that State Farm offers the cheapest car insurance for military backgrounds in Tallahassee.

• State Farm: $1,223 per year
• Travelers: $1,321 per year

Although USAA is not included in this analysis of Tallahassee insurers, it is known for providing competitive rates on a national level. It conducts business in Florida and provides services that cater specifically to the needs of active-duty military members.

Finding the best car insurance rates in Tallahassee is essential for savings. However, comparing quotes from multiple companies can take more than an hour.

To accelerate the process, utilize MoneyGeek's car insurance calculator. By inputting your age, driving record, credit score, desired coverage and other pertinent details, you'll receive a tailored rate estimate that considers key factors influencing car insurance premiums in Tallahassee.

Finding the best auto insurance hinges on how you prioritize service, cost, coverage and other essential factors. MoneyGeek’s research utilizes distinct criteria for each category and has identified top insurers in Tallahassee catering to diverse preferences:

• Best overall: State Farm (MoneyGeek score 85 out of 100)
• Best for service: Mercury (MoneyGeek score 83 out of 100)
• Best cheap: State Farm (MoneyGeek score 87 out of 100)

State Farm is the preferred choice for overall value and affordability, showcasing robust service and cost-effectiveness. Mercury stands out for exceptional service, ideal for those prioritizing customer experience. State Farm is the best cheap option and successfully balances low-cost premiums without compromising on service quality. These tailored options offer insights for consumers seeking both comprehensive coverage and budget-friendly policies.

MoneyGeek found that State Farm is the leading option for the best car insurance in Tallahassee with superior offerings.

• State Farm: MoneyGeek score of 85 out of 100 ($1,223 per year)
• Mercury: MoneyGeek score of 81 out of 100 ($1,842 per year)

State Farm distinguishes itself with an outstanding blend of customer satisfaction and affordability, marking its reputation for providing high-quality full coverage policies. The insurer's leading scores in these aspects are the foundation of its high MoneyGeek score.

In Tallahassee, MoneyGeek found that Mercury offers the best car insurance in terms of customer service. Mercury is renowned for excellence in customer satisfaction, claims handling and broad coverage offerings, without considering rate factors.

• Mercury: MoneyGeek score of 83 out of 100 ($1,842 per year)
• State Farm: MoneyGeek score of 75 out of 100 ($1,223 per year)

Mercury distinguishes itself at the forefront of the industry, notably through its exceptional satisfaction and claims processing scores. The company's solid ratings in these factors are pivotal to its high MoneyGeek score. Mercury’s commitment to customer experience and reliable claim support is reflected in its status as the top choice for Tallahassee drivers seeking quality car insurance.

MoneyGeek found that State Farm offers the best cheap car insurance in Tallahassee. This score highlights a company's commitment to affordability, claims handling proficiency and customer satisfaction.

• State Farm: MoneyGeek score of 87 out of 100 ($534 per year)
• Mercury: MoneyGeek score of 85 out of 100 ($650 per year)

State Farm stands out in Tallahassee for its cost-effective approach to car insurance. Key factors like an exceptional affordability score and robust claims handling contribute significantly to its leading MoneyGeek score. This scoring reflects the premium for a minimum coverage policy, showcasing State Farm as the top choice for budget-conscious drivers seeking reliable coverage.

In Tallahassee, Florida, the average car insurance cost is $1,782 per year. This premium is notably lower by $610 than the average car insurance cost in Florida of $2,392. The state average is also higher by $611 than the national average of $1,781.

Various factors influence car insurance premiums, such as driving history, vehicle type and coverage levels. However, location remains a significant determinant. Geographic factors contribute to premium variance — regions that experience heavy traffic congestion, higher accident rates or elevated risk of natural disasters tend to have higher insurance costs. For instance, within Florida, Gainesville has the cheapest city premium at $1,699, while Hialeah has the most expensive at $3,233, a difference of $1,212. You may find even more favorable insurance rates in areas with lower traffic density, like non-urban locations.