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.
Compare the Cheapest Car Insurance Quotes in Tallahassee, FL
The Cheapest and Best Car Insurance in Tallahassee
The Cheapest Car Insurance Companies in Tallahassee
The two companies offering the cheapest rates for a full coverage car insurance policy in Tallahassee are:
- USAA: $696 annually (only serving current and former military members)
- GEICO: $1,127 annually
To find the cheapest companies, MoneyGeek used a 40-year-old male driver's profile with a full coverage policy, including liability insurance and comprehensive and collision coverage.
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Average Cost of Car Insurance in Tallahassee
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.
The Best Car Insurance Companies in Tallahassee
MoneyGeek used a unique scoring system to rank the best insurance companies in Tallahassee for drivers looking for affordable policies with great service. The two top-rated companies for most drivers are:
- Esurance: MoneyGeek score of 95 out of 100
- GEICO: MoneyGeek score of 85 out of 100
USAA received the highest score in Tallahassee by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek used J.D. Power’s user satisfaction, affordability and financial stability data, among other criteria, to evaluate companies out of 100 points.
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.
Shopping around for car insurance in Tallahassee could save you $354, which is enough to buy:
Cheapest Car Insurance in Tallahassee by Coverage Amount
One of the factors affecting the cost of insurance in Tallahassee and elsewhere is the amount of coverage you buy. It costs an average of $738 yearly to purchase a state minimum liability plan covering bodily injuries and property damage. In contrast, a full coverage policy with higher liability limits costs an average of $1,481 yearly. That is a difference of roughly $744.
Florida Minimum Liability Requirements
- Property Damage$10,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$10,000 per person.
If you want cheap car insurance in Tallahassee, the most affordable option for most people is a state minimum liability plan from GEICO, which costs $501 annually on average. However, additional coverage can be a smart choice if you want better protection. With a 50/100/50 liability-only or full-coverage plan, you can claim $50,000 for medical costs per person and $100,000 per vehicle, with $50,000 coverage for property damage.
A full-coverage plan also takes care of your own expenses in the case of an accident, although this policy will cost more. For example, you can get a 50/100/50 liability-only policy from State Farm for an average cost of $755, while a 50/100/50 full-coverage plan would cost about $994.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Tallahassee if You Have Driving Violations
Maintaining a clean driving record is an effective way to keep car insurance costs down in Tallahassee. Your premiums can spike if you have speeding tickets, at-fault accidents or DUIs. For example, GEICO would provide an average annual premium of $1,127 for a typical driver with no violations. In contrast, a driver with a speeding ticket would have to pay $1,996 on average. With an at-fault accident on the record, the premium would increase to an average of $1,570. DUIs can increase your premium by thousands of dollars.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
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.
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.
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