Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
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.
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
32310
$2,523
32311
$2,471
32312
$2,472
32313
$2,478
32317
$2,465
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
Suspended license
$1,420
$1,488
$2,971
$4,414
$2,641
Open container
$1,420
$1,488
$2,530
$4,414
$3,847
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
Not showing documents
$1,420
$1,488
$2,530
$2,413
$3,769
Running a red light
$1,420
$1,488
$2,530
$2,413
$3,769
Failure to yield
$1,420
$1,488
$2,530
$2,413
$3,769
Following too closely
$1,420
$1,488
$2,530
$2,413
$3,769
Hit and run
$2,568
$1,488
$2,971
$4,414
$3,847
Illegal turn
$1,420
$1,488
$2,564
$2,413
$3,769
Improper passing
$1,420
$1,488
$2,564
$2,413
$3,769
Not-at-fault accident
$1,420
$1,380
$2,055
$2,069
$3,048
Passing a school bus
$1,420
$1,488
$2,072
$2,413
$3,769
Racing
$2,568
$1,488
$2,072
$4,414
$3,847
Reckless driving
$2,431
$1,488
$2,971
$4,414
$3,847
Speeding
$2,431
$1,488
$2,971
$2,728
$3,306
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.
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
What company has the cheapest car insurance in Tallahassee?
According to our research, GEICO has the lowest rates in the city, at $1,328 per year for full coverage.
What is the cost of car insurance in Tallahassee?
In Tallahassee, the average cost of car insurance is $207 per month (or $2,483 per year). Compared to the cost of coverage in Florida, Tallahassee is cheaper than average.
How much car insurance do you need in Tallahassee?
In Tallahassee (and in the rest of Florida), you need at least $10,000 of personal injury protection and property damage liability coverage. Drivers in Tallahassee don't need uninsured motorist coverage, but it's a good idea since there are many drivers without insurance in the state.
What happens if you don't have car insurance in Tallahassee?
If you're caught driving without car insurance in Tallahassee, you could lose your license for up to three years. You'd also have to pay a reinstatement fee. Finally, you'd pay more for car insurance in the future — and rates are already very expensive in Florida.
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.
Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
