Cheapest and Best Car Insurance Companies in Tallahassee, FL

The cheapest car insurance policy will depend on your needs and driving history. State Farm is the cheapest car insurance provider overall and the best insurer in the city. It also offers the least expensive full coverage policies and is the best for veterans and those with driving violations on their records. However, Travelers provides the best customer service, and Nationwide has the cheapest policies for teens.

MoneyGeek’s research shows that the cheapest auto insurance providers for minimum coverage policies in Tallahassee are:

• State Farm: $402 per year
• GEICO: $454 per year

Direct General Insurance offers the most expensive minimum coverage policies in Tallahassee at $988 per year. On the other hand, State Farm is also the cheapest car insurance provider across Florida at $507 per year as of October 2022.

Florida state law requires that minimum coverage auto insurance policies include:

• $10,000 property damage liability per accident
• $10,000 personal injury protection

Such a policy covers up to $10,000 in property damages and a maximum of $10,000 in bodily injury per accident.

Tallahassee's least expensive auto insurers for full coverage policies are:

• State Farm: $953 per year
• GEICO: $1,126 per year

Full coverage insurance policies from Direct General Insurance cost the most, at $1,873 annually as of October 2022. Also, like in Tallahassee, State Farm offers the cheapest full coverage auto insurance policies throughout Florida.

Full coverage insurance includes collision and comprehensive coverage.

• Collision Insurance: Covers the cost to repair or replace your vehicle if it's damaged in a collision.
• Comprehensive Insurance: Pays for non-collision damage to your car, such as fire, flooding or theft.

However, if you have an older car, the cost of full coverage insurance could be higher than the vehicle's worth.

State Farm offers the cheapest rates after a driving violation in Tallahassee.

• Speeding ticket: State Farm ($1,070 per year)
• At-fault accident: State Farm ($1,157 per year)
• DUI: State Farm ($1,070 per year)

GEICO is the most expensive after a ticket at $2,213 per year, Allstate after an at-fault accident at $2,989 and Nationwide after a DUI charge at $2,783.

Your driving record can significantly impact your premiums — even the cheapest rates for drivers with violations are typically more expensive than those for safe drivers.

After a violation, auto insurance premiums generally increase relative to the seriousness of the offense. For example, the car insurance cost in Tallahassee goes up by $398 after a speeding ticket and $669 after a DUI. Still, people with poor driving records can find cheap auto insurance by shopping around.

The cheapest car insurance companies for teens on a family policy in Tallahassee are:

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

The most expensive options are Travelers for male teens at $5,377 annually and Progressive for female teens at $5,119 per year. Some insurers charge male teens more than their female counterparts because they are considered riskier to cover. By early adulthood, however, the gap narrows considerably.

The most cost-effective way to insure teens is to add them to a family policy. In Tallahassee, Florida, adding a teen to a family policy costs an average of $4,940 less per year versus purchasing a separate policy. The best way to find cheap teen car insurance rates is to shop around.

Tallahassee military households can get the cheapest auto insurance from the following providers:

• State Farm: $953 per year
• GEICO: $1,126 per year

The cheapest rates for a minimum coverage policy are from State Farm at $402 and GEICO at $454. USAA is another auto insurer to consider because it caters specifically to the military.

Getting a single online insurance quote in Tallahassee can take more than 15 minutes and requires you to enter a lot of personal data. Fortunately, MoneyGeek's auto insurance calculator can quickly estimate your auto insurance premiums based on your age, driving record, coverage level and vehicle type.

How much you value factors like price, customer service and other criteria will determine the best auto insurance policy for you. Our top picks for auto insurance providers in Tallahassee are:

• Best overall: State Farm (MoneyGeek score of 76 out of 100)
• Best for service: Travelers (MoneyGeek score of 60 out of 100)
• Best cheap: State Farm (MoneyGeek score of 78 out of 100)

The MoneyGeek score for a company can vary depending on how different factors are weighted for a particular category. Also, when it comes to the best auto insurance providers in Florida overall, State Farm is still at the top of the list.

According to MoneyGeek's research, the best auto insurance providers in Tallahassee are:

• State Farm: MoneyGeek score of 76 out of 100 ($953 per year)
• GEICO: MoneyGeek score of 70 out of 100 ($1,126 year)

State Farm’s best features are its affordability and customer service. The company has found the sweet spot between affordable prices and high-quality service, allowing customers to enjoy both.

The auto insurance companies in Tallahassee that provide the best customer service, disregarding cost, are:

• Travelers: MoneyGeek score of 60 out of 100 ($1,342 per year)
• State Farm: MoneyGeek score of 58 out of 100 ($953 per year)

Travelers’ customers rarely complain about their experience, which is a reliable indicator of having good customer service. It also offers an adequate selection of coverages. However, its policies are pricey, so customers pay extra for good service.

The following are the top minimum car insurance providers in Tallahassee:

• State Farm: MoneyGeek score of 78 out of 100 ($402 per year)
• GEICO: MoneyGeek score of 74 out of 100 ($454 per year)

Minimum coverage policies come with the lowest premiums but also the least liability protection and don’t include coverage for damages to your car after an accident.

The average auto insurance cost in Tallahassee is $1,427 per year as of October 2022. It’s $508 cheaper than the annual average car insurance rate in Florida, which is $1,935. However, the Tallahassee rate is $162 more expensive than the $1,265 average national auto insurance premium.

The above costs are for full coverage policies with limits of $100,000 per injured person, $300,000 per incident and $100,000 for property damage.