Car Insurance in Tallahassee
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Car Insurance in Tallahassee, FL
Tallahassee may be Florida's capital, but its relatively small population of 205,000 makes it the ninth-largest city in Florida. Tallahassee is located inland, away from Florida's extensive coastline in the northwest of the state. It primarily attracts government workers but is also home to a major research center at Florida State University.
Driving in Tallahassee is easy, with a commute time of nearly eight minutes less than the national average. Major roads include I-10 and the Capital Circle Beltway. Local drivers adhere to Florida state driving laws, which prevent driving recklessly, without a seatbelt, or while texting.
Tallahassee drivers must secure insurance with a minimum of $10,000 in property damage liability and personal injury protection. Your loan provider may require additional coverage if you have an auto lease or loan.
To keep your car insurance cost in Tallahassee reasonable, compare quotes from major insurance companies with EverQuote. Our service lets you compare quotes in Tallahassee to get the best rates.
How much is car insurance in Tallahassee, FL?
The overall expense of car insurance in Tallahassee largely depends on the coverage options you're interested in. To provide a general idea of what you might pay, below are the average costs for the three most popular types of coverage in the city:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Tallahassee?
Evaluating and comparing the insurance costs for each possible car make, model, and year within the city can be a complex task. Nevertheless, if you're interested in identifying which recent models generally offer more cost-effective insurance, take a look at these top 10 most budget-friendly car makes and models in Tallahassee:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Honda Cr-V | $175 |
| 2 | Subaru Forester | $176 |
| 3 | Honda Odyssey | $187 |
| 4 | Toyota Corolla | $188 |
| 5 | Toyota Rav4 | $191 |
| 6 | Ford F-150 | $191 |
| 7 | Kia Sol | $196 |
| 8 | Toyota Tacoma | $196 |
| 9 | Kia Sedona | $198 |
| 10 | Chevrolet Silverado | $199 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving history plays a critical role in determining your car insurance premiums. Various driving incidents, including minor collisions, major accidents, speeding tickets, DUIs, or hit-and-run occurrences, can affect your insurance rates in the city. Here's a view of how common claims and violations can change your rates in Tallahassee, listed from the least impactful to the most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| No Claims or Violations | $191 | - |
| Not at-fault Accident | $205 | +7% |
| Driving with expired registration | $228 | +19% |
| Speeding Ticket | $246 | +29% |
| DUI | $266 | +39% |
| Driving with a suspended license | $277 | +45% |
| At-fault Accident | $285 | +49% |
| Hit and Run | $292 | +53% |
What car insurance discounts can I get in Tallahassee?
In Tallahassee, there are numerous discounts available to help reduce the cost of your insurance. These include bundling policies, paying your entire premium upfront, switching to paperless billing, and securing renewal discounts, among others. Below, you will find a list of these discounts ranked from the greatest to the least in terms of savings potential, offering you a clear view of the opportunities to lower your expenses:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $171 | +$20 |
| Paid in Full | $175 | +$16 |
| Low Mileage | $181 | +$10 |
| Multi-Policy Renters | $183 | +$8 |
| Renewal discount | $187 | +$4 |
| Paperless | $188 | +$3 |
| Electronic Funds Transfer | $188 | +$3 |
| None | $191 | - |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.