Best cheap car insurance in Tallahassee for 2021

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Car insurance rates in Florida are the second-highest in the country. The average cost of car insurance in Tallahassee is $921 for minimum coverage and $2,043 for full vehicle insurance, which is a few hundred less than the overall state average.

One of the reasons Tallahassee drivers may pay less for coverage than other Florida residents is the lower claim volume. Allstate’s America’s Best drivers report ranked drivers in the city #42 in the country for least number of claims.

Nevertheless, finding cheaper rates could take the pressure off of making your monthly car insurance payments. Bankrate collected 2021 quoted premiums from Tallahassee car insurance companies, which were compared alongside vehicle coverage and discount options to bring you some of the best car insurance companies in Tallahassee.

Best car insurance companies in Tallahassee

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
State Farm 826/1,000 $603 $1,416
Geico 846/1,000 $816 $1,953
Allstate 851/1,000 $924 $2,084
Direct Auto N/A $996 $2,161

State Farm

State Farm has the cheapest car insurance in Tallahassee based on quoted premiums, with annual rates of $603 a year for minimum coverage and $1,416 a year for full coverage. You will find coverage for nearly any type of vehicle from State Farm. Besides insuring standard vehicles, State Farm insures antique, classic, collectible and sports cars. Insuring multiple cars with State Farm could even help you save as much as 20% on your premiums.

Geico

Geico’s average annual rate for Tallahassee drivers is $816 for minimum coverage and $1,953 for full insurance. Full car insurance is more expensive because it adds collision and comprehensive coverage to the minimum amount of liability insurance. This provides greater benefit financially if your car is damaged or totaled. You could also add roadside assistance and rental car reimbursement through Geico, which comes in handy when your car breaks down.

Allstate

On average, Allstate’s annual rate does not beat the state’s average for car insurance, but the company has high marks for customer service from J.D. Power, which may be more important to some drivers. Allstate received a customer satisfaction score of 876 out of 1,000 for car insurance claims satisfaction. Drivers looking for local agent availability can call or visit a Tallahassee Allstate agent — there are ten available in the city.

Direct Auto

Tennessee-based Direct Auto car insurance provides Tallahassee drivers with no-frills, affordable coverage. The carrier is best-known for insuring high-risk drivers with multiple accidents, speeding tickets or a DUI conviction. Coverage options are more limited than other providers, but Direct Auto offers all drivers the minimum level of insurance needed to legally drive in Florida, and to obtain an SR-22 if a previous policy lapsed. Direct Auto provides up to 25% in savings on your premium for military personnel, multiple cars or previous coverage.

Cheapest car insurance in Tallahassee

Rates for coverage in Florida are higher than the rest of the country; the average cost of car insurance in Florida is $2,364 per year for full coverage. The cheapest car insurance companies in Tallahassee, however, come in below the state average.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
State Farm $603 $1,416
Geico $816 $1,953
Allstate $924 $2,084
Progressive $1,040 $2,026
MetLife $1,172 $2,505

State Farm and Geico have the highest financial strength ratings of A++ (Superior) from AM Best, among providers reviewed. This means each is financially stable enough to pay out a large number of claims in case of a widespread disaster, such as a major hurricane. MetLife’s auto insurance division was recently bought out by Farmers Insurance, which means that customer service and the claims process may improve in the coming months. Allstate and State Farm have the most representation of agents and offices in Tallahassee if you need help from either carrier. Progressive also has a good physical presence in the city, with 29 independent agents.

Tallahassee insurance requirements

The state of Florida requires all drivers to have continuous car insurance purchased from a licensed Florida insurance company, even if the vehicle is inoperable or not in use. Drivers without the minimum amount of coverage face a suspension of their driver’s license and vehicle registration, which costs $500 to reinstate. The minimums are:

  • A minimum of $10,000 in personal injury protection (PIP)
  • A minimum of $10,000 in property damage liability coverage
  • Bodily injury liability may be required for high-risk drivers to satisfy SR-22 requirements (although it is popularly used to satisfy state requirements for PIP and PDL)

Although Florida’s car insurance requirements are minimal, they may not be enough in the event of a costly claim. If you cause damage to someone’s car over the $10,000 limit, you would be responsible for the remainder of the amount. And if you own or lease your car, you will probably need full coverage to meet the dealer’s or lender’s requirements.

Car insurance discounts in Tallahassee

Some additional ways you could reduce the cost of your car insurance premiums include the following discounts available from most car insurance providers.

  • Good student: Tallahassee has a large population of college students who could potentially save on car coverage by maintaining good grades.
  • Defensive driver course: Drivers of all ages could receive a discount on coverage after passing a defensive driving course. Courses are typically online and can be completed in eight hours. Check with your provider to determine if they offer this discount and any requirements that may apply.
  • Bundling: If you already have home or renters insurance, you can typically get a discount when you add car insurance coverage.
  • Automatic payments: Signing up for autopay is a good way to ensure your car insurance doesn’t lapse for missed payments. Most car insurance providers typically offer a small discount for this as well.

Frequently asked questions

What is the best car insurance company in Tallahassee?

The best car insurance company is a personal decision that depends on your needs. There are many good providers to choose from. Our findings of best car insurance in Tallahassee based on rates, coverage options and customer ratings narrowed the list down to four: State Farm, Geico, Allstate and Direct Auto.

How much does car insurance in Tallahassee cost?

The average cost of car insurance in Tallahassee is $921 for minimum coverage and $2,043 for full coverage insurance. However, you could potentially find lower rates by collecting and comparing quotes from multiple providers.

How much car insurance do I need in Tallahassee?

The state of Florida mandates all drivers to carry continuous car insurance of $10,000 or more in personal injury protection (PIP) and at least $10,000 in property damage liability coverage. Bodily injury liability is also required in some cases.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Insurance Editor