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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.
If you're considering relocating to Tallahassee from out of state, you may want to budget a little extra for your insurance. The average monthly payment for the rest of the U.S. is about is about $6 cheaper than it is in Tallahassee.
While these are the average monthly costs for auto insurance coverage in Tallahassee, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Tallahassee residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $55 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Tallahassee drivers may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Tallahassee, where female drivers pay around $11 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Tallahassee with a single accident will pay around $114 a month. Similarly, drivers with one ticket will typically pay around $107 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$85|
The most affordable vehicles to insure in Tallahassee are by and large SUVs, trucks, and vans, which run about $83 per month.
The rate for car owners, however, is about $90 per month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. 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)||$90|
The difference in rates based on relationship status in Tallahassee is about $10 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Tallahassee, expect to pay around $15 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
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
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
Car insurance rates in Tallahassee have been mixed recently. They decreased in 2017, increased in 2019, and dropped again in 2021, before finishing at $49 in 2022.
How does Tallahassee compare to neighboring areas?
Why are car insurance rates in Tallahassee different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Off-street parking availability
- Road Safety (frequency of local car accidents)
- Amount of drivers
- Local regulations
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Tallahassee?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Tallahassee.
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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?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Tallahassee?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Tallahassee or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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