The best car insurance in Tallahassee, FL

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Gianetta PalmerGianetta PalmerFreelance contributorGianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.&Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew 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.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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The average cost of full coverage car insurance in Tallahassee is $2,377 per year, which is $417 lower than the Florida average of $2,794. While rates are expensive, it's possible to find cheaper insurance in the city.

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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

  • State Farm has the lowest average rates for full coverage car insurance in Tallahassee at $1,360 per year

  • 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 $2,377

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

State Farm

$1,360

882

GEICO

$1,559

874

Travelers

$1,732

854

Nationwide

$2,056

868

Farmers

$2,184

882

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

32308

$2,357

32309

$2,358

32317

$2,359

32311

$2,364

32303

$2,365

32312

$2,366

32313

$2,371

32301

$2,373

32307

$2,381

32306

$2,383

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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 driving violation can increase your car insurance rates substantially. 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

State Farm

GEICO

Travelers

Nationwide

Farmers

At-fault accident

$1,586

$2,122

$2,375

$2,929

$3,077

DUI

$1,479

$2,690

$2,646

$4,432

$2,342

Suspended license

$1,479

$1,584

$2,646

$4,432

$2,846

Open container

$1,479

$1,584

$2,244

$4,432

$2,342

Expired registration

$1,479

$1,584

$2,244

$2,419

$2,846

Driving without lights

$1,479

$1,584

$2,244

$2,073

$2,846

Running a red light

$1,479

$1,584

$2,244

$2,419

$2,756

Following too closely

$1,479

$1,584

$2,244

$2,419

$2,846

Hit and run

$1,479

$2,690

$2,646

$4,432

$2,864

Not-at-fault accident

$1,380

$1,584

$1,809

$2,073

$2,166

Passing a school bus

$1,479

$1,584

$1,826

$2,419

$2,846

Reckless driving

$1,479

$2,565

$2,646

$4,432

$2,864

Speeding

$1,479

$2,565

$2,646

$2,736

$2,649

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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

UAIC

$2,751

State Farm

$2,791

Direct Auto

$2,879

Farmers

$2,909

GEICO

$2,917

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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

What company has the cheapest car insurance in Tallahassee?

According to our research, State Farm has the lowest rates in the city, at $1,360 per year for full coverage.

What is the cost of car insurance in Tallahassee?

In Tallahassee, the average cost of car insurance is $198 per month (or $2,377 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: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • 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.

Authors

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

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.

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