Car insurance is essential in Tallahassee, the largest city in Florida with a population of around two million. Like in other Floridian cities, car insurance rates in Tallahassee can vary based on driving history, driver age, and coverage needed. Let’s understand the factors behind securing suitable coverage in this city.
Also, check Beem for personalized auto insurance quotes from leading providers and get up to 40% off on your preferred coverage.
Car Insurance in Tallahassee
In Tallahassee, car insurance costs about $2,377 yearly for full coverage, nearly $417 cheaper than the average cost of $2,794 across Florida. Although prices may seem high, there are ways to find cheaper insurance options in the city.
To get the best deal on car insurance in Tallahassee, shop around. Compare quotes from different insurance companies to opt for the most affordable coverage. You can also consider adjusting your coverage limits and deductibles to lower your premiums.
Choosing the Right Car Insurance in Tallahassee
Choosing the right insurer is vital as state law mandates car insurance. Beem simplifies the process by offering and comparing quotes and helping you select the ideal coverage tailored to your needs.
State Farm emerges as the top choice, offering the most affordable premiums for the average driver in Tallahassee. It also stands out for its budget-friendly full coverage and caters to veterans and individuals with past driving infractions. Travelers excels in customer service, and Nationwide offers the most economical policies for teen drivers.
| Company | Average Cost |
| State Farm | $1,360 |
| Geico | $1,559 |
| Travelers | $1,732 |
| Nationwide | $2,056 |
Read Related Article: Motorcycle Insurance Vs. Car Insurance.
Car Insurance Rates for Drivers with Violations in Tallahassee
Drive safely and avoid violations to maintain affordable car insurance rates in Tallahassee. Insurance companies typically charge higher rates to drivers with at-fault accidents, DUIs, reckless driving citations, and speeding tickets, as they consider them higher risk.
Among the costliest citations are DUI and reckless driving. For Tallahassee drivers, being convicted of reckless driving can result in a staggering increase of $1,127 per year compared to the citywide average. Similarly, a DUI violation may lead to a substantial increase of $1,032, while receiving a speeding ticket could result in a $529 rate hike.
| Violation | State Farm | Nationwide | Geico | Travelers | Farmers |
| At-fault accident | $1,586 | $2,929 | $2,122 | $2,375 | $3,077 |
| DUI | $1,479 | $4,432 | $2,690 | $2,646 | $2,342 |
| Suspended license | $1,479 | $4,432 | $1,584 | $2,646 | $2,846 |
| Open container | $1,479 | $4,432 | $1,584 | $2,244 | $2,342 |
Cheapest Minimum Liability Car Insurance in Tallahassee
State Farm and Geico are the top choices for those seeking Tallahassee’s most affordable minimum-liability car insurance. State Farm leads the pack, offering policies for as low as $402 per year, followed by Geico at $454 per year. In contrast, Direct General Insurance’s policies are the priciest, costing $988 per year.
Interestingly, State Farm doesn’t just offer cheap rates in Tallahassee; it’s also the most budget-friendly option across Florida, with policies starting at $507 per year as of October 2022. So, if you want to save money on car insurance while meeting the minimum coverage requirements, State Farm and GEICO are excellent options.
Cheapest Full Coverage Car Insurance in Tallahassee
State Farm and Geico offer the most economical full-coverage car insurance. State Farm offers full coverage policies for $953 annually, while Geico’s policies start at $1,126.
Full coverage insurance includes collision and comprehensive coverage. Collision insurance covers expenses for repairing or replacing your vehicle after a collision, while comprehensive insurance handles non-collision damage like theft, fire, or flooding.
However, the full coverage insurance cost may outweigh the value of older vehicles. Direct General Insurance offers the priciest full coverage policies, while State Farm is the most affordable option.
| Company | Annual Premium | Monthly Premium |
| State Farm | $953 | $79 |
| Geico | $1,126 | $94 |
| Nationwide | $1,261 | $105 |
| Travelers | $1,342 | $112 |
| Mercury | $1,372 | $114 |
| Farmers | $1,591 | $133 |
Read Related Article: Car Insurance in Lansing, MI.
Conclusion
While Tallahassee is known for its high car insurance rates, finding the cheapest option is essential. State Farm remains the most affordable choice for full and minimum-coverage auto insurance across Florida. Utilize online tools like Beem and comparing quotes from various providers to secure budget-friendly car insurance that meets legal requirements and provides you peace of mind.
FAQs
How much does car insurance in Tallahassee cost?
The average cost of car insurance in Tallahassee for full coverage is approximately $2,377 annually, representing a savings of $417 compared to the statewide average of $2,794. These rates are influenced by factors like driving history, age, and coverage needs.
Who has the cheapest car insurance in Florida?
When seeking the cheapest car insurance in Florida, State Farm emerges as the top contender with premiums starting at $1,360 per year. This insurer provides budget-friendly options tailored to individual needs.
