Best Tallahassee, Florida Auto Insurance in 2024 (Top 10 Companies Ranked)
The best auto insurance choices in Tallahassee, Florida, are Erie, Safeco, and Allstate. State Farm leads overall with rates beginning at $64 per month and offers the cheapest price. Safeco is noted for its discount availability, while Allstate is recognized for its customized policies.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
1,814 reviewsCompany Facts
Full Coverage in Tallahassee FL
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
1,173 reviewsCompany Facts
Full Coverage in Tallahassee FL
A.M. Best Rating
Complaint Level
Pros & Cons
1,173 reviews
11,413 reviewsCompany Facts
Full Coverage in Tallahassee FL
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
Allstate, USAA, and Safeco are the top auto insurers in Tallahassee, Florida, providing excellent coverage from $64/mo and strong customer support.
USAA is the top choice for military families, offering exclusive benefits and discounts. Safeco and Allstate follow with their comprehensive, tailored plans.
Our Top 10 Company Picks: Best Tallahassee, Florida Auto Insurance
| Company | Rank | Safe Driver Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A++ | Customer Service | Erie |
 | #2 | 8% | A | Discount Availability | Safeco |
 | #3 | 9% | A+ | Customized Policies | Allstate |
 | #4 | 10% | A+ | Coverage Options | Progressive |
 | #5 | 11% | A+ | Multi-Policy Savings | Nationwide |
 | #6 | 7% | A++ | Competitive Rates | Geico |
 | #7 | 6% | A++ | Safe Drivers | Travelers |
 | #8 | 8% | A | Claims Service | American Family |
 | #9 | 12% | A | 24/7 Support | Liberty Mutual |
 | #10 | 10% | B | Financial Strength | State Farm |
You can save on Tallahassee, FL, auto insurance by shopping around, comparing rates, and looking for discounts. Below, you’ll find information on how to get cheap auto insurance in Tallahassee, Florida.
Get fast and affordable auto insurance coverage in Tallahassee, Florida, today with our free quote comparison tool above.
- Auto insurance in Tallahassee starts at $64/month
- Erie has the cheapest rates in Tallahassee
- Commute mileage, theft rates, and weather affect costs
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#1 – Erie: Top Overall Pick
Pros
Pros- Comprehensive Coverage Options: Erie offers a range of coverage options, including unique add-ons that cater to specific needs.
- Excellent Customer Service: Erie is known for its responsive customer service, which contributes to high customer satisfaction. Learn more in our Erie auto insurance review.
- Competitive Rates: Erie provides affordable rates compared to many competitors. This affordability makes it a top choice for budget drivers looking for the best auto insurance in Tallahassee, Florida.
Cons
- Limited Availability: Operates in fewer states, which can be limiting if you relocate. This could affect those seeking the best Tallahassee, Florida, auto insurance with broader options.
- Average Mobile App Experience: The mobile app could use improvements in functionality and ease of use, which might affect users looking for digital convenience.
#2 – Safeco: Best for Discount Availability
Pros
Pros- Discounts Variety: Safeco stands out in Tallahassee, Florida, with its wide range of discounts, including bundling and good driving records. Read more in our Safeco auto insurance review.
- Flexible Policy Options: Safeco offers customizable policies, making it an excellent choice for tailored coverage and the best auto insurance in Tallahassee, Florida.
- Reasonable Claims Satisfaction: Safeco is praised for its quick, fair claims process, making it a solid choice for Tallahassee drivers.
Cons
- Higher Premiums for Some Drivers: Discounts exist, but rates may still be high for younger drivers or those with poor records, affecting its standing as the best Tallahassee auto insurance.
- Customer Service Variability: Customer service quality can vary by region and agent, which may affect those looking for the best Tallahassee, Florida, auto insurance with reliable service.
#3 – Allstate: Best for Customized Policies
Pros
Pros- Customizable Coverage: Allstate’s diverse coverage and add-ons, including accident forgiveness, make it a top choice for Tallahassee, Florida. Read more in our Allstate car insurance review.
- Strong Digital Tools: Their app and online tools are robust, with virtual assistance and straightforward claims. They are ideal for top Tallahassee, Florida, auto insurance.
- Numerous Discounts: Allstate provides multiple discounts, such as safe driving, bundling, and the Drivewise program, making it a top choice for the best auto insurance in Tallahassee, Florida.
Cons
- Higher Base Rates: Allstate’s base rates can be higher, which might not be ideal for those looking for the cheapest Tallahassee auto insurance.
- Mixed Customer Reviews: Customer satisfaction varies, affecting its ranking as the best auto insurance provider in Tallahassee, Florida.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#4 – Progressive: Best for Coverage Options
Pros
Pros- Variety of Coverage Options: Progressive offers comprehensive coverage with features like Name Your Price and Snapshot, making it a leading choice for auto insurance in Tallahassee.
- Competitive Rates: Progressive offers competitive pricing and frequent promotions, making it a top choice. Learn more in our Progressive auto insurance review.
- Good for High-Risk Drivers: It caters to drivers with less-than-perfect records, making it a top choice for the best auto insurance in Tallahassee, Florida.
Cons
- Complex Policy Information: The options can be overwhelming and complex, especially for simple Tallahassee auto insurance.
- Customer Service Challenges: Customers report long wait times and inconsistent responses, which may be a concern for those seeking the best auto insurance in Tallahassee, Florida.
#5 – Nationwide: Best for Multi-Policy Savings
Pros
Pros- Multi-Policy Discounts: Nationwide offers savings on bundling auto with home or renters’ insurance, which is ideal for Tallahassee, Florida.
- Strong Financial Stability: Nationwide’s solid financial rating ensures reliable claims, which is ideal for auto insurance in Tallahassee, Florida.
- Wide Range of Coverage Options: The provider offers other add-ons and coverage types for a personalized plan, making it a top choice. Read more in our Nationwide auto insurance review.
Cons
- Higher Premiums for Some: Discounts are offered, but higher-risk drivers might face elevated premiums, which could impact the cost-effectiveness of Tallahassee auto insurance.
- Claims Process Delays: Slow claims processing might hurt its ranking as the best Tallahassee, Florida auto insurance.
#6 – Geico: Best for Competitive Rates
Pros
Pros- Low Rates: Geico offers low rates and is a top choice for affordable auto insurance in Tallahassee, Florida. Learn more in our Geico auto insurance review.
- Easy-to-Use Online Tools: Geico’s user-friendly website and mobile app manage policies and file claims easily, enhancing its appeal as a top option for the best Tallahassee, Florida, auto insurance.
- Intense Customer Satisfaction: Geico’s high customer satisfaction reflects its efficient service and strong reputation as a top auto insurance provider in Tallahassee, Florida.
Cons
- Limited Coverage Options: Geico offers fewer add-ons, which might limit its appeal as the best Tallahassee auto insurance for those needing extensive coverage.
- Customer Service Variability: Customer service is generally good, but some reports of inconsistency may concern those seeking reliable support in Tallahassee, Florida.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#7 – Travelers: Best for Safe Drivers
Pros
Pros- Discounts for Safe Drivers: Travelers offers significant discounts for clean driving records and safety feature use, making it a top choice for the best Tallahassee, Florida auto insurance.
- Extensive Coverage Options: The provider offers customizable coverage options to meet specific needs, making it a top choice for auto insurance in Tallahassee, Florida.
- Strong Reputation: Travelers are praised for its reliable coverage and efficiency, making it a top choice for the best auto insurance in Tallahassee, Florida.
Cons
- Higher Rates for Some Drivers: Rates may be higher for specific profiles, affecting the affordability of the best Tallahassee, Florida, auto insurance. Read more in our Travelers auto insurance review.
- Complex Pricing Structure: The pricing can be complex, which may be a drawback for those wanting straightforward pricing for the best Tallahassee, Florida, auto insurance.
#8 – American Family: Best for Claims Service
Pros
Pros- Excellent Claims Service: American Family excels in responsive claims handling, making it a top choice for auto insurance in Tallahassee, Florida. Read more in our American Family auto insurance review.
- Broad Range of Coverage Options: The company’s diverse coverage, including umbrella insurance, makes it a top pick for auto insurance in Tallahassee, Florida.
- Strong Community Focus: American Family’s community involvement and support for local causes enhance its appeal, making it a strong choice for the best Tallahassee, Florida, auto insurance.
Cons
- Higher Premiums: American Family’s rates can be high, especially without discounts. This may affect its appeal as a cost-effective choice for the best Tallahassee, Florida, auto insurance.
- Limited Availability: The company’s limited state availability may affect its suitability for the best Tallahassee, Florida, auto insurance if you move.
#9 – Liberty Mutual: Best for 24/7 Support
Pros
Pros- 24/7 Customer Support: Liberty Mutual offers 24/7 customer support, boosting its appeal as a top choice in Tallahassee, Florida.
- Comprehensive Coverage Options: The provider’s coverage, including accident forgiveness, is the top choice for Tallahassee, Florida, auto insurance. Read more in our Liberty Mutual auto insurance review.
- Flexible Payment Plans: Liberty Mutual’s flexible payments make it a top choice for auto insurance in Tallahassee.
Cons
- Higher Base Rates: Initial rates may be higher, affecting its appeal for affordable Tallahassee, Florida, auto insurance.
- Mixed Customer Reviews: Customer satisfaction is inconsistent, which may affect its ranking.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#10 – State Farm: Best for Financial Strength
Pros
Pros- Financial Stability: State Farm’s solid financial ratings promise reliable claims handling, which is the top choice for auto insurance in Tallahassee, Florida. Read more in our State Farm auto insurance review.
- Wide Availability: State Farm, a major U.S. insurer, is widely available and a convenient option for the best Tallahassee, Florida, auto insurance.
- Extensive Discounts: State Farm offers discounts for safe driving, bundling, and vehicle safety, making it a top choice for Tallahassee auto insurance.
Cons
- Higher Premiums for Some: Some drivers might find State Farm’s premiums higher than those of other providers, which could affect its attractiveness as the best Tallahassee, Florida, auto insurance provider.
- Variable Customer Service: Customer service quality can vary by location, leading to inconsistent experiences for policyholders.
Monthly Tallahassee, FL Car Insurance Rates by ZIP Code
Explore detailed information on how monthly auto insurance rates vary by ZIP Code in Tallahassee, FL. Insurance premiums can differ significantly depending on your specific location within the city due to factors such as local traffic conditions, crime rates, and accident statistics.
Tallahassee, Florida Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $75 | $160 |
 | $70 | $170 |
| $64 | $150 |
 | $67 | $166 |
 | $78 | $175 |
 | $73 | $165 |
 | $69 | $163 |
 | $74 | $155 |
 | $80 | $180 |
 | $71 | $169 |
Erie, Safeco, and Allstate are the three best auto insurance companies in Tallahassee, Florida, offering the cheapest monthly rates.
By examining rates by ZIP Code, you can identify areas with cheap online auto insurance costs and understand how your neighborhood may impact your premium.
Auto Insurance Discounts From the Top Providers in Tallahassee, Florida
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Anti-Theft Device, New Car |
| Multi-Policy, Good Student, Defensive Driver, Safe Driver |
| Vehicle Storage, Safe Driver, Multi-Policy |
| Federal Employee, Anti-Theft Device, Multi-Policy, Good Student |
| Safe Driver, New Car Replacement, Hybrid Vehicle, Multi-Policy |
| Anti-Theft Device, Safe Driver, Accident Forgiveness, Multi-Policy |
| Continuous Insurance, Snapshot Program, Multi-Policy, Good Student |
 | RightTrack, Accident Forgiveness, Multi-Policy, Safe Driver |
| Safe Driver, New Car, Steer Clear Program, Multi-Policy |
| Safe Driver, Multi-Policy, Continuous Insurance, Hybrid/Electric Vehicle |
This breakdown helps you make informed decisions and potentially find more affordable auto insurance options tailored to your specific location in Tallahassee.
It’s crucial to understand the risks of driving without auto insurance, as it can lead to severe financial consequences and legal penalties.
Tallahassee, FL Car Insurance Rates vs. Top US Metro Car Insurance Rates
The city you live in significantly impacts your car insurance rates due to factors such as local traffic patterns, crime rates, and accident statistics. Therefore, it’s essential to compare auto insurance rates in Tallahassee, FL, with those in other major US metro areas.
By doing so, you can better understand how your location affects your premiums and identify whether you might benefit from auto insurance rates by ZIP code.
Comparing these rates provides insight into how Tallahassee’s insurance costs compare to those of other regions, helping you make a more informed decision about your coverage options.
Are you ready to find affordable auto insurance in Tallahassee, FL? Enter your ZIP code above to get started.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
The Cheapest Auto Insurance Company in Tallahassee, FL
The cheapest car insurance company in Tallahassee, based on average rates, is USAA.
Below, you can find the cheapest car insurance company in Tallahassee, FL. You might then ask, “How do those rates compare against the average Florida car insurance company rates?” We cover that as well.
Tallahassee, Florida Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 8,450 |
| Total Claims Per Year | 6,300 |
| Average Claim Size | $3,250 |
| Percentage of Uninsured Drivers | 14% |
| Vehicle Theft Rate | 210 thefts/year |
| Traffic Density | Medium |
| Weather-Related Incidents | Low |
The best auto insurance companies in Tallahassee, Florida, are ranked from cheapest to most expensive. State Farm, Nationwide, and Geico are the most affordable companies. However, Nationwide and Geico have rates that are more expensive than Tallahassee’s.
The Auto Insurance Requirements in Tallahassee, FL
All Tallahassee drivers must meet the minimum car insurance requirements set by Florida state law. Florida is a no-fault state, which is why PIP coverage is required.
Additionally, drivers should consider liability auto insurance coverage to protect themselves from costs associated with accidents in which they are at fault.
It’s recommended that most drivers carry more than the state minimum, especially coverage for uninsured and underinsured motorists, because nearly 27 percent of Florida drivers are uninsured.
The Affects Auto Insurance Rates in Tallahassee, FL
We mentioned how age, ZIP code, and driving record affect auto insurance, but we didn’t discuss how the city, credit level, commute, and theft rates impact Cape Coral, FL’s car insurance.
Tallahassee, Florida Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Vehicle Theft Rate | B | Moderate theft rates |
| Traffic Density | C | High traffic congestion |
| Weather-Related Risks | A | Low weather impact |
| Average Claim Size | B+ | Slightly above average claims |
| Uninsured Drivers Rate | C- | High uninsured rate |
Does my credit score affect my car insurance? Yes, it does. The credit score is another method auto insurance providers use to determine risk. The better your credit history, the less you’ll pay for auto insurance.
Pay attention to how much you drive because it can determine your auto insurance. According to City-Data, the average commute time in Tallahassee is 17 minutes, which is eight minutes faster than the national average.
Driving less reduces the risk of accidents and claim filings, leading to potential savings on insurance premiums. Fewer miles mean less exposure to road hazards, which enhances your safety and can also improve your overall driving record.
Additionally, opting for comprehensive auto insurance can further protect you against risks unrelated to collisions, offering peace of mind on the road.
The Effect of Theft and Weather on Vehicle Tallahassee, FL Auto Insurance
Tallahassee, FL, weather also affects auto insurance, but not as much as car theft. Auto theft in Tallahassee has little effect on auto insurance rates. The 2019 FBI statistics reported 679 vehicle thefts in Tallahassee, Florida.
Schimri Yoyo Licensed Agent & Financial Advisor
In 2019, there were eight hurricane disasters in Tallahassee. Enter your ZIP code now to know more about Erie, Safeco, and Allstate auto insurance companies.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What is the cheapest auto insurance company in Tallahassee, FL?
The cheapest car insurance company in Tallahassee, based on average rates, is USAA.
What factors affect auto insurance rates in Tallahassee, FL?
Factors such as age, ZIP code, driving record, credit score, and coverage level can affect auto insurance rates in Tallahassee, FL. Enter your ZIP code now.
What are the auto insurance requirements in Tallahassee, FL?
In Tallahassee, FL, drivers must meet the Florida state law car insurance requirements, which include liability coverage of at least 10/20/10 and $10,000 in personal injury protection (PIP) coverage.
How does my credit score affect my car insurance in Tallahassee, FL?
Your credit score can affect your car insurance rates in Tallahassee, FL. Generally, a better credit history can result in lower insurance premiums.
How does vehicle theft and weather impact auto insurance in Tallahassee, FL?
While vehicle theft and weather can impact auto insurance rates, their influence is not as significant as factors like driving record and credit score.
However, comprehensive coverage is recommended to protect against theft and weather-related damage in Tallahassee, FL. Enter your ZIP code now.
Are there any special considerations for college students in Tallahassee for auto insurance?
Yes, college students in Tallahassee may qualify for discounts if they maintain good grades or are listed as occasional drivers on a parent’s policy, which can lower their premiums.
For more information, please visit our page, “Is my child covered by my auto insurance?”
What are the key factors to consider when selecting the best auto insurance in Tallahassee, Florida?
Consider coverage options, premium rates, discounts, customer service, and how well the insurer handles local risks like weather and traffic conditions.
Are there specific discounts available for auto insurance in Tallahassee, Florida?
Yes, discounts may include safe driving, bundling policies, anti-theft devices, and defensive driving courses. Enter your ZIP code now.
How do the local driving conditions in Tallahassee affect auto insurance rates?
Local driving conditions, such as traffic, accident rates, and weather, can increase insurance rates in Tallahassee. Read more through factors that affect auto insurance rates.
How can I find the most affordable auto insurance in Tallahassee, Florida?
Compare quotes from multiple providers, check for discounts, and consider factors like your driving record and vehicle type.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
