In Tallahassee, the average full coverage car insurance costs $161 per month. Prices can vary, with the cheapest at $157 and the most expensive reaching $499. To help drivers better understand potential costs, the table below includes average car insurance rates for different driver profiles.
Tallahassee, FL, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Tallahassee: Key Takeaways
In the city, State Farm, Nationwide and GEICO are among the most affordable car insurance companies, offering competitive rates for various driver profiles.
State Farm provides the cheapest car insurance in the city, with rates of $45 per month for minimum coverage and $102 for full coverage.
The average monthly cost of car insurance in the city is $71 for minimum coverage and $161 for full coverage, with rates varying based on the driver's profile.
Car Insurance Quotes in Tallahassee, FL
| Young Drivers | $81 | $191 |
| Teens | No Data | $499 |
| Seniors | $68 | $150 |
| Drivers With a Speeding Ticket | $86 | $199 |
| Drivers With a DUI | $97 | $225 |
| Drivers With An Accident | $104 | $240 |
| Bad Credit | $107 | $237 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Tallahassee vs. State Average
Florida
State Average Full Coverage Rate
$2,425
Tallahassee, FL
City Average Full Coverage Rate
$1,841More:$584 saved
This is 24% less expensive.
What Is the Average Car Insurance Rate in Tallahassee?
Car insurance in Tallahassee costs $1,841 per year for full coverage and $842 for minimum coverage. These rates are lower than Florida's averages of $2,425 for full coverage and $1,168 for minimum coverage. Residents can find more affordable insurance options here compared to the Sunshine State's overall rates.
| State Average | $1,168 | $2,425 |
| Tallahassee Average | $842 | $1,841 |
Cheapest Car Insurance Companies in Tallahassee
Even with rising premiums in Florida, you can still find affordable car insurance in Tallahassee. State Farm offers the cheapest minimum coverage at $45 per month. For full coverage, State Farm again leads with a rate of $102 per month.
WHY CAR INSURANCE IN TALLAHASSEE IS CHEAP
Car insurance is cheaper in Tallahassee than the state average. Other parts of Florida may be more expensive due to a blend of local factors, such as traffic density and accident rates. Statewide, the high number of uninsured drivers, frequent personal injury lawsuits, and insurance fraud contribute to steep premiums across Florida.
Cheap Car Insurance in Tallahassee
State Farm often offers the cheapest car insurance for many drivers, though rates can vary based on individual circumstances. To find the most affordable option, it's best to get quotes from several providers. Below is a table showing the cheapest car insurance rates for different driver profiles.
| State Farm | Minimum Coverage | $45 |
| State Farm | Full Coverage | $102 |
| State Farm | Teens | $254 |
| State Farm | Young Adults | $87 |
| State Farm | Seniors | $68 |
| Nationwide | Bad Credit | $137 |
| State Farm | Drivers With a DUI | $82 |
| State Farm | Drivers With An Accident | $89 |
| State Farm | Drivers With a Speeding Ticket | $82 |
Car Insurance Rates in Tallahassee by Company
To get the best car insurance deal in Tallahassee, you need to compare prices from different companies. Below, we show the most affordable options for minimum coverage and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Tallahassee
State Farm offers the cheapest minimum coverage auto insurance at $45 per month. Travelers follows with a rate of $52 monthly. See the breakdown of the cheapest options in the table below.
| State Farm | $45 | $26 |
| Travelers | $52 | $19 |
| GEICO | $53 | $18 |
| Mercury | $65 | $6 |
| Nationwide | $67 | $4 |
Cheapest Car Insurance Companies for Full Coverage in Tallahassee
State Farm offers the cheapest full coverage car insurance in Tallahassee at $102 per month. Below is a list of other providers and their rates.
| Allstate | $152 | $9 |
| GEICO | $151 | $10 |
| Nationwide | $138 | $23 |
| State Farm | $102 | $59 |
| Travelers | $109 | $51 |
Car Insurance Companies in Tallahassee
To find affordable car insurance in Tallahassee, get quotes from several companies. State Farm offers the cheapest rate at $878 annually, while Mercury is the best affordable provider with a MoneyGeek score of 81. Check the table below for more options to consider.
| State Farm | 85 | $879 |
| Mercury | 81 | $1,434 |
| Travelers | 75 | $968 |
| Nationwide | 73 | $1,232 |
| GEICO | 67 | $1,220 |
| Progressive | 66 | $1,270 |
| Allstate | 64 | $1,346 |
| Farmers | 54 | $1,934 |
| Direct General Insurance | 39 | $1,792 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Tallahassee by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,841 per year for 40-year-olds and $1,798 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $4,225 | $80 |
| 17 | $4,197 | $108 |
| 18 | $3,608 | $696 |
| 19 | $3,499 | $806 |
| 20 | $3,606 | $699 |
| 21 | $2,859 | $1,445 |
| 22 | $2,906 | $1,398 |
| 23 | $2,980 | $1,325 |
| 24 | $2,814 | $1,490 |
| 25 | $2,292 | $317 |
| 40 | $1,841 | $768 |
| 65 | $1,798 | $811 |
Cheapest Car Insurance for Teens in Tallahassee
Nationwide offers the cheapest overall car insurance for teens in Tallahassee at $245 monthly, saving $78 compared to the state average. Below, the table highlights additional affordable providers for this age group.
| Nationwide | $245 | $78 | $418 |
| State Farm | $279 | $45 | $254 |
| Allstate | $308 | $16 | $870 |
| GEICO | $310 | $14 | $336 |
| Travelers | $335 | $-11 | $477 |
| Farmers | $382 | $-58 | $642 |
| Progressive | $407 | $-83 | $500 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Tallahassee
State Farm offers the cheapest minimum coverage for young drivers at $51 per month, and the most affordable full coverage at $123. Check the table below to see which providers offer the cheapest rate for different young driver profiles.
| State Farm | Minimum Coverage | $51 |
| State Farm | Full Coverage | $123 |
| Nationwide | Bad Credit | $161 |
| State Farm | Drivers With a DUI | $98 |
| State Farm | Drivers With An Accident | $107 |
| State Farm | Drivers With a Speeding Ticket | $98 |
Cheapest Car Insurance Companies for Young Drivers in Tallahassee
State Farm offers the most affordable auto insurance for young drivers at $87 per month. Other companies with competitive rates are shown in the table below.
| State Farm | $87 | $54 |
| Travelers | $92 | $49 |
| Nationwide | $120 | $21 |
| Allstate | $121 | $20 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Tallahassee
State Farm and Nationwide offer the most affordable car insurance rates, but prices can vary based on factors like driving history and credit score. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.
| State Farm | Minimum Coverage | $42 |
| State Farm | Full Coverage | $94 |
| Nationwide | Bad Credit | $128 |
| State Farm | Drivers With a DUI | $76 |
| State Farm | Drivers With An Accident | $82 |
| State Farm | Drivers With a Speeding Ticket | $76 |
Cheapest Car Insurance Companies for Seniors in Tallahassee
State Farm offers the cheapest monthly premium for seniors at $68 for both minimum and full coverage. GEICO follows with a monthly rate of $95. The table below shows top car insurance options for seniors in Tallahassee.
| State Farm | $68 | $45 |
| Travelers | $79 | $34 |
| GEICO | $95 | $18 |
| Nationwide | $97 | $16 |
| Mercury | $109 | $4 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High Risk Drivers in Tallahassee
For those considering car insurance in the Sunshine State's capital, Tallahassee offers more affordable rates than the state average. Minimum coverage costs $1,155 annually, while full coverage is $2,774. However, if you have bad credit or a DUI, expect higher premiums. Accidents and speeding tickets tend to have a lesser impact on your rates.
| Tallahassee Average | $1,155 | $2,774 |
| State Average | $1,651 | $3,718 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Insurers in Tallahassee typically consider minor driving incidents, like a not-at-fault accident or speeding ticket, for around three to five years. For more serious offenses, such as a DUI, insurers may take account for up to ten years, and you might need to file an SR-22 car insurance or what is FR-44 insurance to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Tallahassee
State Farm offers the cheapest minimum coverage for drivers with a DUI at $604 per year in Tallahassee. For full coverage, Travelers leads with an annual rate of $2,212. Check out the table below for more low-cost options.
| State Farm | $50 | $115 |
| Travelers | $87 | $184 |
| Progressive | $86 | $205 |
| Allstate | $96 | $212 |
| Mercury | $98 | $296 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Tallahassee
State Farm, Travelers, and GEICO offer the most affordable car insurance for drivers with an at-fault accident in Tallahassee. Explore the cheapest auto insurance after an at-fault accident for more insights. Below is a table showing different providers offering cheap coverage options.
| State Farm | $55 | $124 |
| Travelers | $76 | $160 |
| Nationwide | $96 | $199 |
| GEICO | $79 | $239 |
| Progressive | $109 | $278 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Tallahassee
State Farm is the cheapest car insurance provider for drivers with a speeding ticket in Tallahassee, with rates of $50 for minimum coverage and $115 for full coverage. Check the table below to see how other providers charge drivers with a speeding ticket on their record.
| State Farm | $50 | $115 |
| Travelers | $72 | $153 |
| Allstate | $75 | $157 |
| Nationwide | $79 | $163 |
| Mercury | $81 | $249 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Tallahassee
Mercury offers the most affordable rates for drivers with bad credit at $86 monthly for minimum coverage, while Nationwide provides full coverage at $185 per month. See the table below to find other affordable options.
| Nationwide | $88 | $185 |
| Travelers | $107 | $215 |
| Direct General Insurance | $103 | $223 |
| Mercury | $86 | $268 |
| GEICO | $108 | $310 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Tallahassee, FL
In the Sunshine State, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $10,000 for property damage liability per accident.
- $10,000 personal injury protection (PIP) per person.
Imagine you're in a fender bender; Florida's minimum coverage helps cover the other car's repair costs, up to $10,000, ensuring you're not out-of-pocket for basic damages.
Cheap Car Insurance in Tallahassee: Bottom Line
State Farm shines as Tallahassee's cheapest car insurance for minimum and full coverage. No matter your age or credit, you'll find providers with plans that fit your wallet. Make sure your policy covers Florida's basics: personal injury protection and property damage liability. Compare to get the best price without skimping on the Sunshine State's legal must-haves.
Tallahassee Auto Insurance: FAQ
This FAQ section offers quick answers to common questions about finding affordable car insurance options. Discover how to secure the best deals and understand the essentials of minimum coverage in the Capital City.
What is the cheapest car insurance company in Tallahassee, Florida?
State Farm offers the most affordable minimum coverage auto insurance in Tallahassee, Florida, at a rate of $45 per month, saving you $26.
What is the best car insurance company in Tallahassee, Florida?
State Farm, with a score of 85 out of 100, ranks as the best car insurance provider in Tallahassee, Florida.
How much does car insurance cost on average in Tallahassee?
The average monthly cost for minimum coverage auto insurance in Tallahassee ranges from $69 to $108.
Best Cheap Car Insurance in Tallahassee: Our Methodology
Tallahassee Driver Profile
MoneyGeek conducted an analysis of Tallahassee auto insurance prices using data from the Florida Department of Insurance and Financial Services and Quadrant Information Services. To assess the best and most affordable auto insurance options for Tallahassee residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Tallahassee
In assessing the car insurance quotes for Tallahassee, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Florida's mandated liability insurance parameters:
The minimum coverage requirements in Florida are:
- $10,000 for property damage liability per accident.
- $10,000 personal injury protection (PIP) per person
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability. Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Florida providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Tallahassee
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Tallahassee.
For more details on MoneyGeek's analysis, view MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.