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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 coverage in Tallahassee typically costs about $36 a month less than it does in the rest of Florida.
Conversely, drivers in Tallahassee may pay higher rates than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $7 cheaper than it is in Tallahassee.
Although these are the average rates for auto insurance in Tallahassee, it's important to remember that you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't worry, we've done the work for you and broken down the average rates for Tallahassee to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Tallahassee Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates creep back up once you hit retirement in Tallahassee.
Tallahassee Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their vehicle, in Tallahassee men actually pay $82 per month for coverage while women pay $92.
Tallahassee Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. Drivers in Tallahassee with a single accident on their record will usually see rates around $115 a month. Likewise, drivers with one ticket will be looking at a rate of around $106 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Tallahassee Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$85|
According to the first table above, the cheapest vehicles to insure in Tallahassee are typically SUVs, at $83 per month.
Car owners will see rates of about $90, while truck and van owners usually pay around $84 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Tallahassee are vehicles eleven-to-fourteen years old.
Tallahassee Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$90|
Generally, those who have settled down into marriage will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
The difference in rates based on relationship status in Tallahassee can be as much as $10 a month, so it's worth keeping that in mind.
Tallahassee Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Another factor that comes into play is your housing status. In Tallahassee, homeowners can expect to pay around $15 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Tallahassee, FL
Recent trends in car insurance for Tallahassee drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The rates for auto insurance in Tallahassee have been mixed as of late, they fell in 2017, increased in 2019, and dropped again in 2021, before finishing at $65 in 2022.
How does Tallahassee compare to neighboring areas?
Why are car insurance rates in Tallahassee different from other areas?
Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Access to off-street parking
- Number of car accidents
- Total drivers
- Area laws
- Crime levels
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?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Tallahassee.
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Tallahassee Auto Insurance FAQs
What factors affect car insurance quotes in Tallahassee?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Tallahassee different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Tallahassee?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Tallahassee?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Tallahassee or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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