Find the Best Car Insurance Companies in Tallahassee, FL

How to choose car insurance in Tallahassee

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:

• Good student
• Safe driver
• Homeowner
• Accident-free driving history
• Lane assist
• Automatic braking