Tallahassee, FL Auto Insurance | Cheap Car Insurance in Tallahassee, FL

Tallahassee, FL auto insurance requires a minimum coverage of 10/10. Cheap car insurance in Tallahassee, FL starts at $57 monthly with Allstate. The top Tallahassee, FL car insurance companies are: 21st Century, Allied, Allstate, Amica, and Liberty Mutual.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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Cheap car insurance in Tallahassee, FL is offered by Allstate with monthly rates as low as $57. Florida operates a little differently than other states, so for Florida auto insurance, it uses a 10/10 ratio for minimum coverage, focusing on Property Damage Liability Coverage (PDL) and Personal Injury Protection (PIP). However, we recommend carrying more than the Tallahassee, FL auto insurance minimum or you may find yourself in trouble if you have an accident.

Tallahassee is named after a Native American word for “land of the old fields”. Before European settlement, the area which is now the state capital of Florida was primarily Apalachee territory. Today, it serves as the central hub of government and educational activities for the entire state and has a predominantly younger population than other Florida cities.

Fun Fact: Does it feel a little moist out here to you? Because Tallahassee is #2 on the list of “Top 101 cities with the highest maximum monthly morning or afternoon humidity (population 50,000+)”.

Are you needing cheap auto insurance in Tallahassee, FL? With AutoInsuranceEZ.com, the cheapest car insurance in Tallahassee, Florida is only a click away. What you need to do is submit your postal code in the search widget down below – it’s that easy!

Auto Insurance Coverage Requirements in Florida

Driving legally in Tallahassee requires:

Coverage Requirements Most Common
Bodily Injury Liability Not required 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 10,000/20,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Bear in mind that various kinds of automobiles will need various kinds of insurance plans. If you’re driving a mature, used vehicle, you may be fine with only the state-required mandatory minimums. An extravagance vehicle, however, will need a lot more coverage.

Even your average-listed sedan, whether it’s new or a few years old, will require better quality coverage. Most Florida motorists are spending about $153 every month, typically, for his or her automotive insurance plan. But if you reside in Tallahassee, you will not need to pay such high costs. You are able to get really good coverage for less than $57/mo*!

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Cheapest Car Insurance in Tallahassee, FL

Average Monthly Auto Insurance Premiums Legend: Tallahassee 21st century Allied Allstate Amica Liberty Mutual 10 20 30 40 50 60 70 80 90 100 $109 $98 $57 $74 $99

There are a number of cheap auto insurance companies in Tallahassee, Florida who offer rates, including Progressive Insurance Tallahassee, State Farm Tallahassee, and more. Between Liberty Mutual, Amica, and Allstate, you might have trouble locating affordable Tallahassee, FL auto insurance. But don’t forget: low cost auto insurance in Tallahassee, Florida isn’t everything.

Yes, the savings is great, but what if their customer support stinks? Or let’s say their claims process is tough and time-intensive? They are essential things to research before you decide to switch providers. However, there are still plenty of ways you can save on Tallahassee, Florida car insurance! Just keep reading.

Those who supply vehicle insurance policies evaluate many variables while figuring out Tallahassee, FL auto insurance rates, particularly driving experience, ZIP code, type of vehicle owned, driving distance to work, and current insurance coverage and limits. Also remember that affordable car insurance in Tallahassee, Florida will differ from business to business.

To find out if you are still being charged the lowest-cost premium, check cheap Tallahassee, FL auto insurance quotes via the internet.

Major Factors in Cheap Car Insurance in Tallahassee, Florida

You may feel slightly powerless whenever your automobile insurance agency is evaluating your rate; let’s be honest, many of the variables they will calculate aren’t issues you will be able to adjust or control. Fortunately, however, there are still things which you may be in a position to adjust for higher discounts, just like:

Your ZIP Code

The spot where you store your automobile each night will likely have a significant influence on your vehicle insurance rate. Typically, automobile insurance is less expensive in non-urban areas simply because a lesser number of cars and trucks indicates a reduced chance that you’re going to get into a collision with another car. The populace of Tallahassee is 186,411 and the normal household earnings are $39,564.

Auto Insurance by ZIP Code Legend: Miami Ft. Lauderdale Hialeah Jacksonville Tallahassee 21st century Allied Allstate Amica Liberty Mutual 25 50 75 100 125 150 175 200 225 250 275 300 325 350 375 400 425 450 475 500 525 $192 $176 $525 $144 $109 $202 $172 $209 $118 $98 $134 $93 $133 $75 $57 $216 $172 $233 $81 $74 $205 $211 $226 $131 $99


Automotive Accidents

The total count of serious accidents in Tallahassee might be a cause for concern with your insurance provider. They will usually increase premiums on everyone who lives within a ZIP code where the roads are dangerous. But if you are a relatively safe driver, there could be discounts available for you.

Fatal Accidents in Tallahassee, FL Legend: Tallahassee Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 30 35 40 9 16 3 9 43 3


Auto Thefts in Tallahassee

Anti-theft technologies tend to be a terrific way to protect yourself from auto thieves. They’re relatively cost-effective, easy to have set up, and once outfitted, call for little effort by you. And best of all, almost all Tallahassee, FL auto insurance companies will provide you with a discount on your insurance just by having one! Within Tallahassee, there were 440 auto thefts in 2013.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage 21st century Allied Allstate Amica Liberty Mutual 10 20 30 40 50 60 70 80 90 100 110 $109 $105 $98 $100 $57 $109 $74 $95 $99 $110


Your Credit Score

Your credit rating is among the most significant figures inside your existence. It will settle if or otherwise you are able to qualify or get good rates on the majority of different financial items, as well as your automotive insurance plan. As you can tell within this chart, there are several greatly different rates between motorists with excellent credit, and individuals with a bad credit score scores.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit 21st century Allied Allstate Amica Liberty Mutual 15 30 45 60 75 90 105 120 $67 $100 $62 $98 $51 $74 $40 $94 $95 $126


Your Age

Older motorists, using their years of driving experience, are billed significantly less every month than more youthful ones. Generally, anybody younger than 25 can count on paying considerably more. However if you simply continue to be in class, you can test to reduce this burden with a decent Student or perhaps a Driver’s Ed discount.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old 21st century Allied Allstate Amica Liberty Mutual 25 50 75 100 125 150 175 200 225 250 $109 $160 $98 $269 $57 $270 $74 $163 $99 $227


Your Driving Record

Your driving history is essential for your insurance company – if without other reason of computer gives a lot of Tallahassee, FL auto companies a reason to drastically lift up your rates for getting minor driving violations inside your the recent past. There are several cheap auto insurance companies in Tallahassee, FL, though, that provide you with a rest and provide an “accident forgiveness” discount without having anything too major in your record.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident 21st century Allied Allstate Amica Liberty Mutual 20 40 60 80 100 120 140 160 180 200 $66 $114 $145 $147 $70 $93 $152 $100 $58 $63 $73 $80 $52 $57 $105 $52 $95 $170 $212 $147


Your Vehicle

Neglecting to purchase enough coverage is much like going skydiving having a small parachute: once the worst happens, it will not be sufficient to completely safeguard you. Habits costly luxury automobiles want more coverage options, as well as in greater amounts. Hence, the drastic improvement in payments which you’ll see within the chart above.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder 21st century Allied Allstate Amica Liberty Mutual 15 30 45 60 75 90 105 120 135 $109 $123 $98 $105 $57 $118 $74 $106 $99 $141


Minor Factors in Cheap Auto Insurance in Tallahassee, Florida

And here are more ways you can save, if any of these factors are under your control:

Your Marital Status

If you and your partner aren’t bundled to the same auto policy, you may be flushing money to waste. Insurance providers like to drum up business by providing couples the chance to bundle their guidelines together.

Your Gender

Based on most insurance providers, males are not from Mars and ladies aren’t from Venus with regards to car insurance rates. Since there is no hard record data to demonstrate that either gender may be the superior driver, a lot of companies have eliminated the concept of charging women and men different premiums.

Your Driving Distance to Work

Commuting through Tallahassee is easier than you might think. Even though more than 2/3rds of drivers depend on their own vehicle for commuting alone, almost 15% will probably carpool. This means that average commute times usually only last between 15 and 20 minutes, with some as short as 10 minutes.

Some insurance providers would like you to consider that driving less will decrease your monthly rates. For an extent, this is often true – if one makes some drastic cuts inside your yearly mileage. The issue though is the fact that you’d need to reduce your miles by 5,000 each year or even more simply to visit a modest discount.

Your Coverage and Deductibles

If you think you are having to pay an excessive amount of for the payments, ask the local agent about raising your deductible. It’s a terrific way to decrease your costs while still maintaining good coverage. Just make certain that you could manage to spend the money for greater deductible should you have to file claims.

Education in Tallahassee, FL

The lower rates in Tallahassee might be related to its education level (since the higher your education, the lower your insurance rates will be). More than one quarter of residents have at least a bachelor’s degree, which is almost double the state average. Just below that are the number of high school graduates, which make up almost 17% of the population.

Tallahassee is a bit of a college town and home to the main campus of Florida State University. This massive public school offers bachelor’s degrees and more to its 38,000 students in the areas of science, performing arts, and high-tech fields. There is also Florida A&M University which boasts a racially diverse student body, and the Tallahassee Community College for those who wish to pursue a transfer program or an associate’s degree.

Automobile insurance is probably the most important investment decision you will make as a buyer. You’ll want to ensure you locate a respectable, accountable supplier that will follow through on their claims. A number of automobile insurance agencies usually are much better at this as opposed to others, and conducting a conscientious internet based investigation can help you split the favorable from the poor.

Enter your ZIP code below to compare auto insurance rates.

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How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources: Florida Office of Insurance Regulation Florida Department of Financial Services Department of Highway Safety and Motor Vehicles City-Data.com Census.gov

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