Tallahassee, FL Car Insurance

How Much Does Car Insurance Cost in Tallahassee?

In Tallahassee, the average car insurance rate is $2,061 per year. It is quite cheaper than the state’s average rate of $2,297 but more expensive than the nation’s average of $1,541. Several aspects are closely evaluated by insurers when they calculate your car insurance rate. The driver’s marital status, driving history, credit tier, age, and location are the most common aspects that influence annual car insurance costs in Tallahassee.

If you want savings on your car insurance, it is best to compare the rates of several companies. Closely comparing the rates of different auto insurance providers in Tallahassee according to your location, age, driving history, credit tier, and marital status will help you identify the one that best fits your driving status.

Tallahassee Car Insurance Costs by Company

Different auto insurance companies in Tallahassee have different policies and rates. State Farm offers the cheapest car insurance in Tallahassee with an average rate of $1,377 annually. If you don’t maintain a clean driving history, your car insurance rates will likely leverage the average car insurance rate in Tallahassee.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,377$115
Direct Auto$2,327$194

Florida Cheapest Car Insurance Rates For Minimum Coverage

If you are looking for an insurance company in Florida that provides the cheapest car insurance cost with minimum coverage, some companies provide minimum car insurance coverage at a competitive price. State Farm by far offers the best deal when it comes to purchasing car insurance with minimum coverage.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,528$211
Direct Auto$3,266$272

Tallahassee Auto Insurance Rates by Age Bracket

Your age impacts your car insurance rates in Tallahassee. Drivers in Tallahassee with ages fifty to sixty plus carry cheaper auto insurance premiums compared to other age groups. Teenagers, however, pay the most for car insurance in Tallahassee. On a brighter note, when teens reach the age of 20, a substantial decrease in their premiums will immediately reflect.

Tallahassee Car Insurance Rates Per Age Group

Age GroupAnnual RateMonthly Rate

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, drivers below the age of twenty are considered high-risk drivers. That is why they pay the most expensive car insurance rates in Florida. But, if you are a young driver with a clean driving record, several auto insurance companies in Florida will provide less expensive premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
Direct Auto$3,201$267

Tallahassee Car Insurance Premiums By Gender and Marital Status

Other factors that drive your car insurance costs  to increase are your marital status and gender. Most married couples and widowed drivers in Tallahassee pay less expensive rates in contrast to single drivers. While married couples are considered responsible drivers compared to single drivers, their gender also affects their overall auto insurance premiums. Females pay more than males for car insurance in Tallahassee.

Tallahassee Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate

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Florida Cheapest Car Insurance Rates For Married Couples

As was mentioned, married couples are given cheaper car insurance rates in Florida. They are considered financially stable and low-risk drivers; thus, they carry cheaper car insurance rates in Florida. MetLife by far offers the cheapest auto insurance rates for married couples.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,721$227
Direct Auto$3,233$269

Tallahassee Auto Insurance Rates After an Accident or Violation

Keeping a clean driving history will substantially help in minimizing your Tallahassee car insurance costs. One at-fault accident can cause your premiums to increase. Even acquiring speeding tickets, and reckless driving citations are considered a risk. Thus, maintaining a good driving record in Tallahassee will keep your premiums low and close to the average of $2,061 per year.

Tallahassee Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
Reckless Driving$3,177$265
At-Fault Accident (less than $1000 damages)$2,837$236
At-Fault Accident (more than $1000 damages)$2,837$236
Speeding Ticket$2,588$216

Florida Average Auto Insurance Costs With One At-Fault Accident

Typically, one at-fault accident will drive your car insurance rates in Florida up. Depending on the value of damages acquired, drivers who have been in an at-fault accident are bound to pay expensive auto insurance rates in Florida. However, there are car insurance companies around Florida that offer less expensive car insurance premiums to high-risk drivers.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
Direct Auto$3,411$284

Florida Average Car Insurance Rate After A Ticket

Receiving a speeding ticket is a serious issue in Florida. It is typical for drivers in Florida to pay more on their auto insurance premiums after a ticket. However, some insurance companies around the state provide cheap car insurance premiums to reckless drivers in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
Direct Auto$3,163$264

Tallahassee Auto Insurance Rates by Credit Tier

The driver’s credit scores are also evaluated in Tallahassee when insurers calculate car insurance rates. Building your credit from Very Poor to Exceptional will give you savings up to 59% annually on your car insurance rates. Hence, keeping a good credit score is one way for your rates to stay on the average in Tallahassee.

Tallahassee Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$4,078$340
Very Good$1,867$156

Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

Several car insurance companies in Florida provide cheap premiums with minimum coverage for drivers with poor credit. State Farm, by far, offers the most competitive car insurance rates with minimum coverage in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,989$166
United Auto$2,671$223
Direct Auto$1,298$108

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Florida Average Car Insurance Rates For Good Drivers With Poor Credit

Your credit score is one of the aspects that impact your car insurance rates in Florida. Having a poor credit score can increase your car insurance premiums. However, if you are a good driver with poor credit, there are several car insurance companies in Florida that offer cheap coverage despite the poor credit tier. 

Insurance CompanyAnnual RateMonthly Rate
Direct Auto$2,528$211
United Auto$3,206$267
State Farm$3,266$272

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Tallahassee Car Insurance FAQs

  • I was a passenger when a non moving citation was given to my friend who was driving the car, will my car insurance provider in Tallahassee cancel my policy?

    If it is your first non moving or non-criminal citation, your insurance provider will likely not cancel your policy. However, if you switch to another company, it might reflect on your driving profile.

  • I was involved in an accident in Tallahassee with a state-owned vehicle, how do I go about this problem?

    It is ideal for you to contact the Division Risk Management in Tallahassee. They are the ones to process and manage all the state agency’s insurance claims.

  • How many days do insurance companies in Tallahassee allot when canceling binders or car insurance policies?

    Typically, insurance companies in Tallahassee give a five-day written document.

  • How long do insurance companies in Tallahassee take to issue auto insurance policies?

    It will typically take 60 days after the effective date written on your documents.

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