Tallahassee, FL Car Insurance

How much does auto insurance cost in Tallahassee?


The average cost of car insurance in Tallahassee, Florida, is $2,072 per year. That's less expensive than the average in Florida ($2,309) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Tallahassee.


AUTO INSURANCE COSTS: TALLAHASSEE VS. STATE AND US AVERAGES
Tallahassee Average (annual)Florida AverageNational Average
$2,072$2,309$1,548

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Tallahassee car insurance costs by insurer


One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, State Farm offers Tallahassee's most affordable premiums. We've gathered the best cheap car insurance companies in Tallahassee below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.


TALLAHASSEE CAR INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
State Farm$1,387
GEICO$2,003
Progressive$2,338
Allstate$2,702

Read our guide to finding the best cheap auto insurance.



Tallahassee auto insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Tallahassee are drivers in their age_50s, who pay an average of $1,886per year. Rates for Tallahassee drivers in their age_60s are also relatively affordable, at just $1,928 per year.

Teenage drivers pay Tallahassee's most expensive insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Tallahassee is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Tallahassee is $3,221, the largest such difference between any two age groups.


TALLAHASSEE AUTO INSURANCE COSTS BY AGE
Age bracketAverage Yearly Rate
Teenagers$5,899
20s$2,678
30s$2,062
40s$2,017
50s$1,886
60s$1,928
70s$2,350

Learn more about the impact of age on auto insurance rates.



Tallahassee auto insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Tallahassee, married motorists pay $96 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Tallahassee, single drivers pay more than those who are widowed.

Gender is another factor that can affect car insurance rates. In Tallahassee, female drivers pay $28 per year more than do male drivers for car insurance.


TALLAHASSEE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Annual Rate
Female$2,100
Male$2,072
Single$1,976
Married$1,976
Divorced$2,072
Widowed$2,027

Learn more about how gender and marital status have on car insurance rates.



Tallahassee auto insurance costs by citation and accident history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Tallahassee drivers found guilty of reckless driving face insurance rate increases of $1,127 per year, compared to the citywide average. A DUI violation may lead to a $1,032 increase, while a citation for speeding leads to a $529 rate hike.


TALLAHASSEE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage Annual Rate
DUI/DWI$3,104
Reckless Driving$3,199
At-fault Accident (damages less than $1,000)$2,846
At-fault Accident (damages > $2,000)$2,846
Speeding Ticket (16-20 mph over speed limit)$2,601

Get more info on how a bad driving history can impact your car insurance costs.



Tallahassee car insurance rates by credit tier


Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. Tallahassee drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 59% on their car insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Tallahassee, improving your credit to "Fair" corresponds with a $1,551 decrease in annual car insurance rates.


TALLAHASSEE CAR INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Annual Rate
Very Poor$4,090
Fair$2,539
Good$2,072
Very Good$1,878
Exceptional$1,669

Learn more about the relationship between poor credit and car insurance.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.