The best car insurance in Tallahassee, FL

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published October 19, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and

how we make money.

The average cost of full coverage car insurance in Tallahassee is $2,483 per year, which is $431 lower than the state average of $2,914. However, car insurance rates in Florida are higher than the national average of $1,652 because the state has a higher percentage of uninsured drivers.

Ready to shop car insurance?

Start calculator

No one wants to overpay for car insurance. Policygenius can help you save money on your car insurance by showing you quotes from top companies and helping you choose coverage options. The best way to save money on your car insurance is by comparing rates between top providers in the Tallahassee area.

Key Takeaways

  • GEICO has the lowest average rates at $1,328 per year for full coverage car insurance in Tallahassee

  • Florida minimum liability requirements are $10,000 in personal injury protection and $10,000 in property damage liability

  • The average annual cost of full coverage car insurance in Tallahassee is $2,483

Cheapest car insurance companies in Tallahassee, FL

Car insurance premiums are determined by many factors, such as your age, location, and driving record. Also, the car you drive, the average price to repair, and the likelihood of theft can impact rates, too. 

To help reduce costs, it’s always a smart idea to compare quotes from top carriers and choose what works best for you.

Company

Average cost

JD Power Rating

GEICO

$1,328

871

State Farm

$1,361

881

Travelers

$1,968

861

Nationwide

$2,052

876

Mercury Insurance

$2,701

849

Cheapest car insurance rates by ZIP code in Tallahassee, FL

Your location plays a big role in determining how much your car insurance will cost. Local factors like parking in your neighborhood, crime rates and even weather patterns can raise or lower your car insurance rates.

ZIP code

Average cost

32301

$2,478

32303

$2,473

32304

$2,518

32305

$2,501

32306

$2,491

32307

$2,487

32308

$2,462

32309

$2,466

Choosing the right car insurance company in Tallahassee, FL

Living in the Florida Panhandle allows residents easy access to the Gulf of Mexico. If you plan on driving to the beach, or anywhere at all for that matter, then state law says you need to have car insurance to protect yourself and others if you’re in an accident. 

With so many factors that determine the price of car insurance, it can be overwhelming to find a company that offers a policy that works for you. Policygenius can help you see quotes and choose the best coverage based on your insurance needs.

Car insurance rates for drivers with driving violations in Tallahassee, FL

A single speeding ticket can increase your car insurance rates by as much as $1,100 per year. In addition, a lot of states use a points system and getting too many points in a short time not only increases your rates but could lead to the revocation of your driver’s license.

Below are the average rates for drivers in Tallahassee with speeding tickets or other moving violations.

Violation

GEICO

State Farm

Travelers

Nationwide

Mercury Insurance

At-fault Accident

$1,973

$1,596

$2,671

$2,920

$4,462

DUI

$2,568

$1,488

$2,971

$4,414

$3,847

Driving with a suspended license

$1,420

$1,488

$2,971

$4,414

$2,641

Driving with an open container

$1,420

$1,488

$2,530

$4,414

$3,847

Driving with expired registration

$1,420

$1,488

$2,530

$2,413

$3,769

Driving without Lights

$1,420

$1,488

$2,530

$2,069

$3,769

Failure to show documents

$1,420

$1,488

$2,530

$2,413

$3,769

Failure to stop at a red light

$1,420

$1,488

$2,530

$2,413

$3,769

Cheapest car insurance for drivers with bad credit in Tallahassee, FL

Bad credit can be bad news, especially when it comes to car insurance. Your FICO score impacts the price you pay for car insurance because a low score can mean that you’re a high risk.

Some states, including California, Hawaii, Massachusetts, and Michigan, don’t allow insurance companies to use your credit score to determine insurance rates. But Florida isn’t one of those states, so drivers with lower credit scores pay more for car insurance.

Company

Rates for drivers with bad credit

State Farm

$2,582

GEICO

$2,673

Direct Auto

$2,995

UAIC

$3,015

Nationwide

$3,108

Ready to shop car insurance?

Start calculator

Buying car insurance in Tallahassee, FL

To be legally insured in the state of Florida, state law says drivers must have the following minimum liability insurance requirements:

  • A minimum of $10,000 in personal injury protection (PIP) and a minimum of $10,000 in property damage liability (PDL) coverage. Florida is the only state that doesn’t require bodily injury liability coverage (BIL) but does require personal injury protection (PIP). In addition, the state doesn’t require drivers to purchase uninsured or underinsured motorist coverage but requires car insurance companies to offer the coverage to you.

  • Proof of personal injury protection (PIP) and property damage liability (PDL) coverage from an insurance company licensed to sell insurance in Florida

  • Have continuous coverage on a vehicle even if it is inoperable or not being driven.

Florida allows qualified drivers to self-insure their vehicles. To be considered qualified, drivers must provide annual proof of an unencumbered net worth of $40,000 or more.

Florida is a no-fault state, which means that your car insurance provider will pay your medical bills whether you cause a wreck or another driver was at fault. 

How to get cheap car insurance in Tallahassee, FL

Car insurance is expensive in Tallahassee, but there are ways to save:

  • Take a defensive driving course - Many companies offer a discount to policyholders who take defensive driving courses.

  •  Many companies offer a safe driver discount, so obey posted speed limit signs and avoid getting tickets.

  • Take advantage of multi-car discounts - Many companies offer a discount if you have more than one vehicle on a policy.

  • Military discount - A discount for active-duty military members and their families.

  • Bundling - Combining your car and home insurance is a great way to save money on car insurance.

  • Good student discount -- A discount for young drivers who earn good grades.

Frequently asked questions

Who has the lowest car insurance in Tallahassee?

According to our research, GEICO has the lowest rates in the city, at $1,328 per year for full coverage.

I have bad credit. Can that affect my car insurance rates?

Having a low FICO score can increase your rates by more than 50% with some companies. The best way for drivers with low credit scores to find affordable coverage is to shop around with multiple companies and make sure they’re getting the best rates available.

Does my driving record affect my car insurance rates?

A single ticket can raise your car insurance rates in Florida by more than $1,100 per year, and violations like a DUI or a hit-and-run can have extremely serious impacts on your rates.

I’m single but plan on getting married soon. Will my rates go down?

Some companies use marital status as a determining factor when issuing policies, so your rates could decrease once you’re married, but don’t expect a major price drop.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.