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How much is car insurance in Tallahassee?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $34 a month cheaper to insure your vehicle in Tallahassee than it is in the rest of Florida.
If you're considering relocating to Tallahassee from out of state, you may want to budget a little extra for your insurance. It's around $8 more expensive for coverage in Tallahassee than the average rates seen in the rest of the U.S.
Although these are the average car insurance rates in Tallahassee, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Tallahassee residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay $54 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates begin to increase again once you hit retirement in Tallahassee.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance coverage, this is not the case in Tallahassee, where female drivers pay around $93 per month while male drivers pay about $83.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Tallahassee, drivers with one accident on their record will experience rates around $120 a month. In addition, drivers with one ticket can expect to pay around $106 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$74|
|15 Years or Older||$87|
According to the first table above, the cheapest vehicles to insure in Tallahassee are by and large SUVs, at $82 per month.
Car owners can expect to pay an average of around $90 a month for their policy, while truck and van drivers are usually around $86 to insure each month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Tallahassee, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
On average, those who have settled down into marriage will pay slightly less for car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Tallahassee reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$99|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Tallahassee, homeowners can expect to pay around $15 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Tallahassee, FL
Recent trends in car insurance for Tallahassee drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Tallahassee, auto insurance rates declined from 2016-2017, where they reached a high of $99, before leveling out in 2018. Policy premiums increased again in 2019, and finished down at $79 in 2021.
How does Tallahassee compare to neighboring areas?
Why are car insurance rates in Tallahassee different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Access to off-street parking
- Prevalence of crime
- Number of drivers in the area
- Road Safety (how many accidents each locality has)
- Local laws
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Tallahassee?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Tallahassee.
Tallahassee Insurance FAQs
What factors affect car insurance quotes in Tallahassee?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Tallahassee different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Tallahassee?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Tallahassee?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Tallahassee or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?