Car insurance is required in Florida, and vehicle owners have many options to choose from. Increasing your insurance coverage is popular, but deciding what additional coverage you need can be tricky. Our partners at ConsumerAffairs researched the best car insurance in Tallahassee to help you find the right policy at the lowest quote.
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Driving conditions around Tallahassee can be rough. There are hills, bad quality roads and a lack of street lights, making it vital to find the best coverage for your vehicle. The average monthly car insurance quote in Tallahassee is $131. Annually, residents pay $1,566 for car insurance, which is slightly higher than the national average of $1,318.
This higher rate could be due to the number of college students in the region. Reported enrollment at FSU is 41,447, FAMU is 9,913 and Tallahassee Community College has about 13,500 students. This means that young drivers make up more than one-quarter of Tallahassee’s population of 191,049. Since car insurance rates are higher for inexperienced drivers, students may be skewing the cost and posing a threat to other motorists in the city.
In Florida, the minimum coverage for car insurance is $10,000 for Personal Injury Protection (PIP) and $10,000 for Property Damage Liability (PDL). These basic coverages are for medical expenses and repairing another person’s property, but do not protect damage to your car if you are at fault. For that, you need optional collision coverage. Also consider adding comprehensive coverage if you want to be reimbursed for other kinds of damage, such as from hitting an animal, or if your vehicle is stolen. Furthermore, while the state does not mandate Uninsured Motorist (UM) coverage, you would be wise to have it as Florida has the highest rate of drivers without insurance.
Insurance providers consider a variety of factors when determining your car insurance rate, including:
Age: Rates tend to decrease as the driver ages.
Gender: Gender plays a role in rates. Studies by the Consumer Federation of America and the California Department of Insurance found that some women, often between the ages of 40 and 60, paid more for car insurance than men simply because of their gender.
Driving record: Regardless of gender, if your diving history includes a suspended license, accidents or excessive traffic citations, your quote will be higher because you are considered higher risk.
Previous coverage: Going without coverage also makes you a higher risk driver because there may be issues with your approval.
Vehicle age: Newer cars have better safety features, making insurance cheaper for a newer car in comparison with an older car in a similar price range.
Coverage type: Depending on how much coverage you add, the cost of insurance will increase. For example, having comprehensive insurance to guard against water or storm damage during Tallahassee’s frequently heavy rains and occasional hurricanes.
When shopping for car insurance in Tallahassee, ask a provider about qualifying discounts based on your personal history and vehicle features, including:
Accident-free driving history
Get a free quote from Progressive, which offers auto, property, motorcycle, boat and RV/trailer insurance. Their wide variety of services allows customers to save by bundling multiple policies. Tallahassee residents appreciate Progressive agents for their knowledge and great customer service skills.
Liberty Mutual offers a wide range of insurance services including auto, life, identity theft, pet and more. Liberty Mutual provides bundling discounts as well as for online insurance purchase. Florida residents say they appreciate the savings and professional service of Liberty Mutual agents.
The General is known for offering affordable car insurance to everyone, even those with poor driving histories. Since The General is known for quoting very affordable rates, it’s important to clarify exactly what the policy covers. Some customers said they felt blindsided by the types of claims that their insurance did not cover.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.