Best Cheap Auto Insurance in Tallahassee, FL (2021)
The cheapest auto insurance in Tallahassee is USAA. However, Tallahassee, Florida, car insurance varies for each person. Tallahassee, FL auto insurance must meet the state minimum requirements with coverage levels of 10/20/10 for liability and $12,500 in PIP coverage. Compare Tallahassee, FL auto insurance rates online to get the best price for you.
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UPDATED: Mar 31, 2021
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- On average, Tallahassee, FL auto insurance rates cost $3,064/yr
- USAA is the cheapest auto insurance company in Tallahassee
- Commute mileage, theft rates, and weather affect Tallahassee, FL auto insurance quotes
Tallahassee, FL auto insurance rates are $3,064 annually on average, which is $868 cheaper than the national average and $1,616 more affordable than the Florida auto insurance average.
However, your rates vary based on age, credit score, driving record, and other factors that determine auto insurance.
You can save on Tallahassee, FL auto insurance by shopping around, comparing rates, and looking for discounts. Below you’ll find information on how to get cheap auto insurance in Tallahassee, Florida.
Are you ready to find affordable Tallahassee, FL auto insurance? Enter your ZIP code above to get started.
What is the cheapest auto insurance company in Tallahassee, FL?
The cheapest car insurance company in Tallahassee, based on average rates, is USAA.
USAA isn’t available for everyone. You must be in the military (active or retired) or in the immediate family of someone who’s been in the military to get a USAA policy.
State Farm, Nationwide, and GEICO are the following cheapest companies. However, Nationwide and GEICO have rates that are more expensive than Tallahassee.
The best auto insurance companies in Tallahassee, Florida, ranked from cheapest to most expensive are:
- USAA – $2,564
- State Farm – $2,961
- Nationwide – $3,610
- GEICO – $3,654
- Liberty Mutual – $4,035
- Progressive – $4,716
- Allstate – $5,997
There are a lot of factors that determine your auto insurance rates. One of the most significant factors is a clean driving record, which produces cheap auto insurance.
Accidents and DUIs on a driving record generate expensive rates.
Even your neighborhood ZIP code is a factor. For example, the cheapest ZIP code in Tallahassee is 32301, which has an average annual rate of $3,032.
Teen and young adult drivers tend to pay twice as much for auto insurance because they’re high-risk drivers.
Young drivers should stay under a parent’s policy to get discounts, such as distant student discounts and good student discounts.
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What are the auto insurance requirements in Tallahassee, FL?
All Tallahassee drivers have to meet the Florida state law minimum requirements for car insurance.
In Florida, you have to carry at least:
- $10,000 for bodily injury of one person per accident
- $20,000 for bodily injury liability of multiple people per accident
- $10,000 for property damage liability per accident
- $12,500 for personal injury protection (PIP)
Florida is a no-fault state, which is why PIP coverage is required.
It’s recommended that most drivers carry more than the state minimum, especially uninsured and underinsured motorists coverage, because nearly 27 percent of Florida drivers are uninsured.
What affects auto insurance rates in Tallahassee, FL?
We mentioned how age, ZIP code, and driving record affect auto insurance, but we didn’t talk about how the city, credit level, commute, and theft rates impact Cape Coral, FL car insurance.
First, let’s look at how other cities compare to Tallahassee, Florida.
- Tallahassee, FL auto insurance average – $3,064 (cheapest)
- Orlando, FL auto insurance average – $3,981
- Fort Lauderdale, FL auto insurance average – $4,810
- Tampa, FL auto insurance average – $5,312
- Miami, FL auto insurance average – $5,785 (most expensive)
Does my credit score affect my car insurance? Yes, it does. The credit score is another method auto insurance providers use to determine risk. The better your credit history, the less you’ll pay for auto insurance.
Pay attention to how much you drive because it can determine auto insurance. According to City-Data, the average commute time in Tallahassee is 17 minutes – which is eight minutes faster than the national average.
Driving less lowers the risk of getting into an accident and filing a claim.
How do vehicle theft and weather affect Tallahassee, FL auto insurance?
Auto theft in Tallahassee has little effect on auto insurance rates. The 2019 FBI statistics reported 679 vehicle thefts in Tallahassee, Florida.
Tallahassee, FL weather also affects auto insurance, but not as much as car theft.
In 2019, there were eight hurricane disasters in Tallahassee. It’s highly recommended that you buy comprehensive coverage to offset the possibility of out-of-pocket costs.
Tallahassee, FL Auto Insurance: The Bottom Line
Tallahassee, FL, auto insurance rates are less expensive than Florida’s annual average. However, your rates depend on personal factors.
The best way to secure affordable car insurance is to maintain a clean driving record.
Teens and young adults should remain under a parent’s policy to access cheaper rates.
Before you buy auto insurance in Tallahassee, FL auto insurance, be sure you’ve checked out quotes from the top auto insurance companies. Enter your ZIP code below to get fast, free auto insurance quotes.