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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 Average||National Average|
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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 see quotes specific to your unique driving profile.
TALLAHASSEE CAR INSURANCE RATES BY COMPANY
Check out our guide to finding the best cheap car insurance and our list of car insurers with the best customer satisfaction ratings.
The age group that enjoys the lowest auto insurance rates in Tallahassee are drivers in their 50s, who pay an average of $1,886 per year. Rates for Tallahassee drivers in their 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 bracket||Average Yearly Rate|
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/Gender||Average Annual Rate|
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/Incident||Average Annual Rate|
|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|
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 Score||Average Annual Rate|
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.