Tallahassee Car Insurance

Everything You Need to Know About Car Insurance in Tallahassee, FL

As the state capital and one of the state’s largest cities, Tallahassee, FL has heavily trafficked roadways. And any time you share the roadways with a large number of drivers, your chances of being involved in a motor vehicle accident increase. Whether you are merging onto Interstate 10, passing a slow moving vehicle on Monroe Street or driving in congested traffic on Capital Circle Drive, you are at risk for a vehicular accident every time you drive your car. That is why it is to your benefit to have a suitable Tallahassee auto insurance policy to fall back on.

Car insurance is required of vehicle owners in Tallahassee, but paying too much for it is not. A local Trusted Choice® agent can help you find a policy that provides the coverage you need at a price you can afford. Our agents can gather a selection of customized Tallahassee car insurance quotes from a variety of competing providers. That way, you can compare the offers and choose the best policy to meet your coverage and budgetary needs. Find an agent near you to learn more.

  • National average cost per year: $1,311
  • Florida average cost per year: $1,742
  • 5th most expensive auto premium in U.S.

Those who are looking to buy a Tallahassee car insurance policy may find it disheartening to learn that the average cost of car insurance in Florida is significantly higher than the national average. This is due largely to the high number of collisions in this state. Of course, you can expect your actual rates to differ from the numbers shown above because each policy’s rates are calculated based on a variety of factors. These include such things as the following:

  • The ZIP code in which you live
  • The location where you park your car (street, driveway, garage, etc.)
  • Information about the vehicle(s) you are insuring such as the year, make, model and safety features as indicated by the vehicle identification number (VIN)
  • Information about all licensed drivers in your household such as their age, sex, marital status and driving record — unless you are specifically excluding them from your policy’s coverage
  • The amount of liability coverage you wish to purchase
  • The optional coverages you wish to include with your policy
  • The amount of your deductible
  • Your claims history and credit score
  • Your qualification for any offered policy discounts

Because so many different factors go into calculating your Tallahassee auto insurance rates, you are likely to be given a different quote from every company that you contact. That is why comparison shopping is a great way to find the best price for car insurance.

Florida Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 10/20/10: Coverage up to $20,000 for all persons injured in an accident, subject to a limit of $10,000 for one individual, and $10,000 coverage for property damage

While the coverage requirements listed above pertain to most drivers in this state, those who have been convicted of a DUI will be assessed the much higher liability minimum requirements of 100/300/50, and motorists with other major driving violations will also have higher minimum requirements of varying degrees.

Driving without insurance that meets or exceeds these requirements can result in the suspension of your plates, registration and driver’s license until you can provide proof of insurance. You may also be required to pay a fine of between $150 and $500.

Florida has some of the lowest minimum coverage requirements in the country, and that can help to keep costs relatively low. However, if you are responsible for a major collision that results in significant injuries, you could easily be responsible for costs that greatly exceed these amounts. For that reason, it is a very good idea to purchase as much liability coverage as you can reasonably afford. Your Trusted Choice agent can help you compare rates for varying levels of coverage.

Number of Uninsured Motorists in Florida

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Florida drivers: 23.8%

The state of Florida has the second highest rate of uninsured drivers in the county. When nearly one in four motorists is driving without coverage, this puts law-abiding citizens like you at risk. If an uninsured driver is responsible for a collision with your vehicle, that driver is required to reimburse you for your property damage and medical treatment costs. Unfortunately, collecting this money can be extremely time-consuming and difficult, and if the uninsured driver has no assets or income, you may never see any compensation at all.

The good news is that when you have uninsured motorist coverage included in your Tallahassee auto insurance policy, you are protected in this type of situation. If you have this optional coverage, your insurance company covers your costs right away and then attempts to collect from the responsible uninsured driver on its own behalf. This coverage also compensates your for losses related to collisions with hit-and-run drivers.

Number of Auto Thefts in Florida

  • National number of thefts per 1,000 vehicles: 2.94
  • Florida number of thefts per 1,000 vehicles: 2.48

The rate of car theft in Florida is lower than the national average; but the risk is higher in Tallahassee. In 2014, for example, there were 665 car thefts reported in this city. That equates to about 3.55 thefts per 1,000 vehicles.

If your car is stolen, you can only receive compensation from your insurance company if your Tallahassee car insurance policy includes comprehensive (or “other than collision”) insurance. This optional insurance, which is often required by lenders for the duration of your car loan, also provides coverage if your car is damaged by other noncollision events, such as falling objects, fires, sinkholes or floods.

Find an Affordable Tallahassee Car Insurance Policy

When you are shopping for Tallahassee car insurance, you will want to be sure that you are purchasing your policy from a reliable insurance company and that you are getting your coverage at a reasonable rate. Comparison shopping can help you find the most affordable policy to meet your coverage needs, but it can also be time-consuming and somewhat inconvenient when you do it on your own.

That is why it is beneficial to enlist the help of an experienced Trusted Choice insurance agent. These independent agents make shopping for the best policy easy. They have relationships with a number of dependable insurance companies, so they can quickly gather a variety of competitive Tallahassee auto insurance quotes that you can review and compare together. Find a Trusted Choice agent with a Tallahassee office near you to get started.

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