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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Tallahassee’s tree-lined streets don’t just look nice — they come with lower insurance rates, too. At $176 per month, Tallahassee drivers pay rates below Florida’s average of $193 per month. While other Floridians face coastal storms and heavy traffic, Tallahassee’s inland location means lower auto insurance rates for many local drivers.
But you can still save even more — several companies offer rates that beat the city average.
State Farm offers the lowest rates in Tallahassee, with an average of $62 per month.
About 59,000 daily commuters drive into Leon County for work, making full coverage worth considering on busy routes.
Florida’s minimum requirements can change after causing a crash — you may suddenly need bodily injury coverage.
Where you live — even within your city — can affect your insurance rates more than you’d expect. You might pay a bit more if you live on a busier street compared to a quiet area. Location matters, so it’s worth comparing coverage.
Let’s see how Tallahassee’s average rates stack up against the state and national averages for different types of coverage, according to Compare.com data.
Location ▲▼ | Average Monthly Premium: Liability Insurance ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Tallahassee | $132 | $219 | $176 |
| Florida | $153 | $233 | $193 |
| National average | $107 | $197 | $152 |
Liability coverage averages $132 per month in Tallahassee, while full coverage costs around $219 per month for the average driver. But keep in mind that these are just averages — your rates can vary based on factors like your neighborhood and driving history.
Compare personalized quotes from Tallahassee’s top insurers.
If you want to pay less than most people in Tallahassee for your car insurance, you’re in luck. Plenty of insurers offer budget-friendly options to help you save.
Check out these budget-friendly companies in Tallahassee, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $62 |
| GEICO | $64 |
| Mile Auto | $104 |
| Allstate | $108 |
| Travelers | $128 |
| Root | $130 |
| Mercury | $142 |
| Direct Auto | $145 |
| Progressive | $170 |
| Infinity | $180 |
| Foremost | $187 |
| GAINSCO | $204 |
| Dairyland | $215 |
| Bristol West | $219 |
| The General | $274 |
State Farm offers the lowest rates in Tallahassee, at just $62 per month. But the best insurance company for you might be different. Keep reading to find the cheapest options for young drivers, discounts, and maximum coverage.
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Every Tallahasseean has different insurance needs. Florida State University students living near campus might want an insurer with great digital tools. But commuters from Cairo or Quincy might focus on roadside assistance.
The three companies below stand out for different reasons. But remember: the only way to find your best deal in Tallahassee is to compare personalized quotes from multiple insurance companies.
Average premium: $119 per month
Compare.com Rating: 4.73 out of 5
Multiple young driver discounts
Convenient agents near campuses
Well-rated mobile app
Mixed claims satisfaction
Customer service is hit-or-miss
Safe driving app can raise rates for some drivers
Progressive is one of the most affordable insurance companies for young drivers in Tallahassee. If you’re a student at Florida State University (FSU) or Florida A&M University (FAMU), you could save by keeping your grades up, living away from home without a car, and even using Progressive’s Snapshot telematics program.
For a family with young drivers, managing your policy is a cinch — you can use the mobile app from your phone or visit an agent within walking distance from campus.
Average premium: $88 per month
Compare.com Rating: 4.65 out of 5
More discounts than any competitor
Highly -rated mobile app
Quick online claims process
Limited local insurance agents
Mixed customer service reviews
No gap insurance available
GEICO leads the pack in Tallahassee with the most discount options of any major Florida car insurance company. For Florida’s 16.5 million drivers, that means stacking big discounts.
From 15% savings for new vehicles and 22% for five accident-free years to 25% for insuring more than one car on your policy, you can save money. Plus, you can track and manage these discounts easily with GEICO’s mobile app.
Average premium: $146 per month
Compare.com Rating: 4.62 out of 5
Lots of coverage options
Online purchase discount
Teacher-specific perks
Customer service misses the mark
Poor insurance shopping experience
Safe driving program could raise your rates
Liberty Mutual offers the most protection for Tallahassee drivers. That’s crucial coverage for the more than 144,000 drivers on local roads, including 85,330 residents and 59,000 daily commuters from surrounding counties.
You can upgrade your coverage with options like better car replacement, gap insurance, and lifetime repair guarantees. Liberty Mutual even has special protection for teachers in the area. If you buy your coverage online, you’ll knock 12% off your quote automatically.
Compare personalized quotes from Tallahassee’s cheapest companies.
The coverage levels you choose play a role in what you pay for car insurance. If you’re just looking for the cheapest option in Tallahassee, liability coverage at the state-minimum limits is your go-to. It’s basic — and the cheapest policy available — but it covers damages and injuries you might cause on the road.
Check out the cheapest liability options from Tallahassee’s most affordable auto insurers, according to Compare.com data.
A cheaper rate might seem more appealing, but there’s more to consider, like your daily commute, for example. You might sleep better with full coverage if you’re navigating busy campus traffic or parking downtown.
Full coverage gives you extra protection by adding collision and comprehensive protection to your policy. The extra protection includes your car repairs from accidents you cause, damage from fallen trees, and even car theft — a growing concern in some Tallahassee neighborhoods.
While it costs more than basic liability insurance, it’s essential if you’re financing (or leasing) your car — most lenders require it.
Here are Tallahassee’s cheapest full-coverage options, according to Compare.com data.
In the next few sections, we’ll talk about how your age and driving record can affect your insurance premiums.
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Your birth year shapes your auto insurance rates more than almost any other factor. Tallahassee’s mix of college students, young professionals, and established state workers can see huge differences in car insurance rates based on age alone.
Here’s a breakdown of what drivers in different age groups pay in Tallahassee, plus which companies offer the best deals for each group, according to Compare.com data.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $297 | GEICO | $104 |
| 40s | $175 | State Farm | $59 |
| Seniors | $143 | State Farm | $48 |
With more than 203,000 teen drivers in Florida, including thousands of FSU and FAMU students in Tallahassee, young drivers face the steepest insurance rates. Their lack of experience behind the wheel makes it riskier for companies to insure them, especially in a college town with busy campus traffic.
The average Tallahassee teen pays $297 per month, according to our data. But GEICO offers prices starting at $104 per month — a much better deal for parents of teens or students balancing tuition and car insurance.
Experience pays off in Tallahassee — just ask any of Florida’s 2.1 million senior drivers. These longtime residents trade their rush-hour commute for shorter trips to Publix and weekend drives to Bradley’s Country Store, making older drivers a less risky option to insure.
Senior drivers in Tallahassee pay an average of $143 per month, according to our data. But State Farm offers this group even better rates, at $48, on average. That makes it a great choice for retirees who need to watch monthly expenses.
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Fender benders and speeding tickets follow you and show up on your car insurance bill. Your driving history tells car insurance companies a lot about your future risk on the road.
Check out how driving records affect Tallahassee car insurance prices and which company has the cheapest rates, according to Compare.com data.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $176 | State Farm | $62 |
| Speeding ticket | $215 | State Farm | $74 |
| At-fault accident | $232 | State Farm | $80 |
| DUI | $267 | State Farm | $98 |
A speeding ticket in Tallahassee — whether you’re rushing down Apalachee Parkway or running late to campus — signals risk to insurance companies. That ticket can bump up your rates since speeders are more likely to get into accidents.
Tallahassee drivers with tickets pay $215 per month on average, according to our data, but State Farm offers lower rates, at $74 per month.
An at-fault accident hits your wallet harder than a ticket. Florida insurance companies can look back at the last five years or more of your driving history. Even a minor accident means higher rates since it suggests you’re more likely to file future claims.
After a crash, Tallahassee drivers pay about $232 per month, according to our data. Fortunately, State Farm offers more reasonable prices, at $80 per month, helping you recover financially while your driving record clears.
A DUI can cause the biggest rate spike of any driving violation. Insurance companies view it as a serious risk, which means significantly higher premiums for drivers throughout Florida.
With a DUI on your record in the capital city, expect to pay around $267 per month, according to our data. While these drivers typically have limited options, State Farm offers the most affordable coverage, at $98 per month.
Like most states, everyone in Florida needs car insurance. The state’s minimum coverage requirements for a policy include:
Personal injury protection (PIP): $10,000
Property damage liability (PDL): $10,000
Oddly enough, Florida doesn’t require bodily injury liability coverage unless you get into a car accident that injures another driver. If that happens, you’ll need to add bodily injury liability coverage of $10,000 per person ($20,000 per crash) to your policy.
But these minimums offer paper-thin protection. With Florida’s minimum coverage requirements, a single crash could leave you footing the bill. That’s why many experts suggest buying more coverage than your state requires.
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You have options to spend less on auto insurance in Tallahassee. Start by understanding what affects your premium: age, driving record, credit history, and even where you park at night. Then, try these money-saving strategies:
Bundle your policies: Many insurers offer a discount for combining your auto policy with renters or homeowners insurance.
Increase your deductible: If you consider yourself a safe driver and can afford to pay more out of pocket when filing a claim, consider raising your deductible. A higher deductible means lower premiums.
Ask about good student discounts: If you or someone in your family is in school, good student discounts can knock a little off the bill.
Choose a vehicle that’s cheaper to insure: The vehicle you drive matters — insurance premiums for sports cars are higher than what you might pay to insure a sedan.
Compare quotes from multiple companies: For the same coverage, quotes can vary by hundreds of dollars, so it pays to check prices at different companies.
Compare personalized quotes from the cheapest insurers in Tallahassee.
Here are answers to the most common questions about car insurance in Tallahassee to help you make the best choice about your coverage.
State Farm leads Tallahassee with the lowest average rates, at $62 per month, according to Compare.com data.
Tallahassee’s average monthly premium is $176, according to our data. Basic liability costs $132 per month, while full coverage typically costs $219.
Florida law requires $10,000 in personal injury protection and $10,000 in property damage liability before registering any vehicle in the state.
If caught driving uninsured, you’ll face suspension of your license and registration and fines of up to $500. Plus, you’ll likely pay higher rates once you restart coverage.
Yes, Florida requires personal injury protection. Drivers need $10,000 PIP coverage, which pays for 80% of medical expenses after a crash, no matter who caused the accident.
Bureau of Workforce Statistics and Economic Research (WSER), “Summary of Employment, Demographics, and Commuting Patterns for Leon County, Florida,” accessed November 14, 2024.
Florida Highway Safety and Motor Vehicles, “Involved in a Crash?,” accessed November 14, 2024.
J.D. Power, “2024 U.S. Auto Claims Satisfaction Study,” accessed November 14, 2024.
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed November 14, 2024.
National Association of Insurance Commissioners, “2023 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide,” accessed November 14, 2024.
Federal Highway Administration, “Licensed Total Drivers, by Age,” accessed November 14, 2024.
J.D. Power, “2024 U.S. Insurance Shopping Study,” accessed November 14, 2024.
Florida Highway Safety and Motor Vehicles, “Florida Insurance Requirements,” accessed November 14, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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