Tallahassee, FL Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Tallahassee.
How much does auto insurance cost in Tallahassee?
The average cost of car insurance in Tallahassee, Florida, is $1,036 per six-months. That's less expensive than the average in Florida ($1,154) and more expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Tallahassee. Read on to learn more!
| Car insurance in Tallahassee vs. Florida | Average 6 Mo. Premium |
|---|---|
| Tallahassee average | $1,036 |
| Florida average | $1,154 |
The Zebra's key takeaways about car insurance in Tallahassee:
- The average cost of a car insurance policy in Tallahassee is $1,036 per six-month policy — $172 per month.
- The cheapest company in Tallahassee is State Farm ($693).
- 38% of Zebra customers in Tallahassee stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Tallahassee car insurance costs by company
One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, State Farm offers Tallahassee's most affordable premiums. We've gathered the best cheap car insurance companies in Tallahassee below. Don't forget to get car insurance quotes based on your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $693 |
| GEICO | $1,001 |
| Progressive | $1,169 |
| Allstate | $1,351 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Tallahassee.
Tallahassee auto insurance premiums by age
Our data tells us that drivers between the ages of 20-29 make up 45% of Tallahassee drivers. The age group that enjoys the lowest auto insurance rates in Tallahassee are drivers in their 50s, who pay an average of $943 every six-months. Rates for Tallahassee drivers in their 60s are also relatively affordable, at just $964 per six-months.
Teenage drivers pay Tallahassee's most expensive insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Tallahassee is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Tallahassee is $3,221, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $2,949 |
| 20s | $1,339 |
| 30s | $1,031 |
| 40s | $1,008 |
| 50s | $943 |
| 60s | $964 |
| 70s | $1,175 |
Tallahassee car insurance rates by credit tier
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. Tallahassee drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 59% on their car insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Tallahassee, improving your credit to "Fair" corresponds with a $775 decrease in six-monthabl car insurance rates. Our data tells us 34% of drivers in Tallahassee have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $2,045 |
| Fair | $1,269 |
| Good | $1,036 |
| Very Good | $939 |
| Exceptional | $834 |
Tallahassee auto insurance costs by violation
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most costly citations to receive are DUI and reckless driving. Tallahassee drivers found guilty of reckless driving face insurance rate increases of $1,127 per year, compared to the citywide average. A DUI violation may lead to a $1,032 increase, while a citation for speeding leads to a $529 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $1,552 |
| Reckless Driving | $1,599 |
| At-fault Accident (damages less than $1,000) | $1,423 |
| At-fault Accident (damages > $2,000) | $1,423 |
| Speeding Ticket (16-20 mph over speed limit) | $1,300 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.