- Average car insurance cost in Tallahassee is $2,320 per year, or $193 per month, for a policy with full coverage.
- Monthly car insurance rates for a few popular models include the Ford Explorer at $175, Ford Escape at $177, and Toyota Corolla at $188.
- For the cheapest car insurance, compact SUV models like the Nissan Kicks, Buick Envision, Kia Soul, and Subaru Crosstrek rank near the top.
How much is car insurance in Tallahassee?
The average cost to insure a car in Tallahassee is $2,320 per year, which is 4.4% more than the overall U.S. national average rate of $2,221. The average cost of car insurance per month is $193 for full coverage.
The average car insurance cost in Florida is $2,754 per year, so drivers in Tallahassee pay an average of $434 less per year than the overall Florida average rate.
The cost to insure a vehicle in Tallahassee compared to other Florida locations is about $776 per year less than in Miami, $710 per year less than in Tampa, and $134 per year cheaper than in Jacksonville.
Driver age makes a big difference in the price you pay for auto insurance. The list below details how driver age influences cost by breaking down average car insurance rates in Tallahassee depending on driver age.
Average cost of car insurance in Tallahassee by driver age
- 16-year-old driver – $8,263 per year or $689 per month
- 17-year-old driver – $8,007 per year or $667 per month
- 18-year-old driver – $7,176 per year or $598 per month
- 19-year-old driver – $6,535 per year or $545 per month
- 20-year-old driver – $4,666 per year or $389 per month
- 30-year-old driver – $2,476 per year or $206 per month
- 40-year-old driver – $2,320 per year or $193 per month
- 50-year-old driver – $2,056 per year or $171 per month
- 60-year-old driver – $1,926 per year or $161 per month
The chart below shows different average Tallahassee auto insurance rates for a number of different driver ages, policy deductibles, and potential risk scenarios.
Average rates in the prior chart range from $1,928 per year for a 40-year-old driver who qualifies for a great discount rate to $5,338 per year for a 20-year-old driver with a history of violations and/or at-fault accidents. The overall average rate we use for comparison of different segments, models, and locations is the 40-year-old safe driver rate, which is an average cost of $2,320 per year.
As a monthly expense, the average cost of car insurance in Tallahassee ranges from $161 to $445 for the same risk profiles and driver ages shown in the previous chart.
Tallahassee car insurance rates are priced differently for every driver and seemingly inconsequential changes in driver risk profiles can have enormous effects on car insurance cost. This large rate variability stresses the need to get accurate auto insurance quotes when trying to find cheaper auto insurance.
Insurance rates for popular models
Some cars, SUVs, and pickups are just more popular than others, so this section focuses on those vehicles and the average cost to insure them.
The following chart shows average car insurance rates in Tallahassee for some of the more popular vehicles.
The most popular vehicles in Tallahassee tend to be compact or midsize sedans like the Honda Civic, Volkswagen Jetta, and Kia K5 and compact and midsize SUVs like the Nissan Rogue and Jeep Grand Cherokee.
Additional popular models from other segments include luxury SUVs like the Infiniti QX60, Acura MDX, and Lexus RX 350, luxury cars like the Acura ILX, Lexus ES 350, and Tesla Model S, and pickup trucks like the Toyota Tacoma, Ford Ranger, and Ford F-150.
Which cars have the cheapest insurance rates?
When comparing rates for all cars, SUVs, and pickups, the vehicles with the most affordable auto insurance rates in Tallahassee tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Hyundai Venue.
Average car insurance quotes for cars and SUVs in the top 10 cost $1,900 or less per year, or $158 per month, for a full-coverage insurance policy.
Examples of other models that have low-cost auto insurance prices in our insurance cost comparison are the Buick Envista, Acura RDX, Honda CR-V, and Kia Niro. The average cost is somewhat higher for those models than the cheapest crossovers and compact SUVs at the top of the rankings, but they still have an average cost of $168 or less per month.
The table below ranks the 50 models with the cheapest car insurance in Tallahassee, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,712 | $143 |
| 2 | Chevrolet Trailblazer | $1,744 | $145 |
| 3 | Kia Soul | $1,810 | $151 |
| 4 | Nissan Kicks | $1,826 | $152 |
| 5 | Honda Passport | $1,848 | $154 |
| 6 | Buick Envision | $1,858 | $155 |
| 7 | Toyota Corolla Cross | $1,872 | $156 |
| 8 | Hyundai Venue | $1,886 | $157 |
| 9 | Mazda CX-5 | $1,890 | $158 |
| 10 | Ford Bronco Sport | $1,900 | $158 |
| 11 | Volkswagen Tiguan | $1,918 | $160 |
| 12 | Acura RDX | $1,938 | $162 |
| 13 | Nissan Murano | $1,948 | $162 |
| 14 | Buick Encore | $1,970 | $164 |
| 15 | Subaru Outback | $1,974 | $165 |
| 16 | Honda CR-V | $1,978 | $165 |
| 17 | Buick Envista | $1,982 | $165 |
| 18 | Volkswagen Taos | $1,986 | $166 |
| 19 | Kia Niro | $1,996 | $166 |
| 20 | Toyota GR Corolla | $2,014 | $168 |
| 21 | Honda HR-V | $2,020 | $168 |
| 22 | Subaru Ascent | $2,020 | $168 |
| 23 | Nissan Leaf | $2,032 | $169 |
| 24 | Chevrolet Colorado | $2,046 | $171 |
| 25 | Lexus NX 250 | $2,052 | $171 |
| 26 | Honda Civic | $2,054 | $171 |
| 27 | Volkswagen Atlas | $2,056 | $171 |
| 28 | Acura Integra | $2,062 | $172 |
| 29 | Subaru Forester | $2,062 | $172 |
| 30 | Volkswagen Atlas Cross Sport | $2,066 | $172 |
| 31 | Kia Seltos | $2,072 | $173 |
| 32 | GMC Terrain | $2,076 | $173 |
| 33 | Nissan Rogue | $2,084 | $174 |
| 34 | Hyundai Kona | $2,088 | $174 |
| 35 | Mazda CX-30 | $2,092 | $174 |
| 36 | Cadillac XT4 | $2,094 | $175 |
| 37 | Volkswagen ID4 | $2,102 | $175 |
| 38 | Ford Explorer | $2,104 | $175 |
| 39 | Toyota Highlander | $2,110 | $176 |
| 40 | Toyota Venza | $2,116 | $176 |
| 41 | Ford Escape | $2,118 | $177 |
| 42 | Honda Odyssey | $2,120 | $177 |
| 43 | Nissan Sentra | $2,124 | $177 |
| 44 | Subaru Impreza | $2,134 | $178 |
| 45 | Chevrolet Equinox | $2,138 | $178 |
| 46 | Toyota RAV4 | $2,138 | $178 |
| 47 | Mazda MX-5 Miata | $2,146 | $179 |
| 48 | Mazda MX-30 | $2,154 | $180 |
| 49 | Hyundai Tucson | $2,156 | $180 |
| 50 | Chevrolet Traverse | $2,166 | $181 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tallahassee, FL Zip Codes. Updated June 26, 2025
A few other popular vehicles ranking in the top 50 table above include the Mazda MX-30, GMC Terrain, Hyundai Tucson, Chevrolet Equinox, and Volkswagen Atlas Cross Sport. Average car insurance rates for those vehicles cost between $2,020 and $2,168 per year.
In comparison to the cheapest rates, a few examples of insurance that is considerably higher include the Dodge Durango that costs $2,846 per year, the BMW M240i which costs $2,824, and the BMW X3 which averages $2,736.
Tallahassee car insurance cost in detail
To show the amount car insurance premiums can range between drivers (and also emphasize the importance of accurate rate quotes), the examples below contain comprehensive rates for three popular models in Tallahassee: the Ram 1500 Truck, Toyota RAV4, and Honda Pilot.
Each vehicle example uses a variety of risk profiles to demonstrate the potential rate difference for the different scenarios.
Ram 1500 Truck insurance rates
Average Ram Truck insurance cost in Tallahassee ranges from $2,372 to $2,936 per year. The least-expensive insurance rates are on the $43,270 Ram Truck Tradesman Crew Cab 4WD trim level, while the trim with the most expensive average rate is the $109,435 Ram Truck TRX Final Edition 4WD trim.
On a monthly basis, full-coverage auto insurance on the Ram Truck can range from $198 to $245 per month, but your exact cost can vary based on your address in Tallahassee.
The bar chart below may help illustrate how car insurance rates for a Ram Truck can range considerably for different driver ages and common risk profiles.
The Ram Truck belongs to the full-size truck segment, and other popular models in the same segment include the GMC Sierra, Toyota Tundra, and Ford F150.
Toyota RAV4 insurance rates
Average Toyota RAV4 insurance cost in Tallahassee ranges from $1,888 up to $2,520 per year. The cheapest model to insure is the $29,875 Toyota RAV4 LE AWD trim level, while the model with the highest average rate is the $47,310 Toyota RAV4 Prime XSE AWD trim level.
On a monthly basis, auto insurance rates on a 2024 Toyota RAV4 for an average middle-age driver can range from $157 to $210 per month, depending on exact policy limits and your Zip Code in Tallahassee.
The chart below demonstrates how insurance quotes on a Toyota RAV4 can be very different for different driver ages, physical damage deductibles, and driver risk profiles. For this example, cost varies from $1,778 to $4,922 per year, which is a difference in cost of $3,144 for the same vehicle.
The Toyota RAV4 is part of the compact SUV segment, and other popular models in the same segment include the Nissan Rogue, Honda CR-V, Mazda CX-5, and Chevrolet Equinox.
Honda Pilot insurance rates
Average Honda Pilot insurance cost in Tallahassee costs from $2,110 to $2,398 per year. The least-expensive car insurance quotes are on the $37,090 Honda Pilot LX trim, while the most expensive model to insure is the $52,480 Honda Pilot Elite AWD trim level.
The bar chart below shows how the cost of insurance for a Honda Pilot can be quite different based on a variety of different driver ages and possible risk profiles. For this example, rates range from $1,874 to $5,224 per year, which is a cost difference of $3,350 per year to insure the same vehicle.
The Honda Pilot belongs to the midsize SUV segment, and additional models from the same segment that are popular in Tallahassee, Florida, include the Kia Sorento, Kia Telluride, Ford Explorer, and Ford Edge.
Six ways save on Tallahassee car insurance
Let’s face it, car insurance can be expensive in not only Tallahassee but the entire state of Florida. But there are ways that you can help ensure you’re getting the best deal possible. The list below details some of the best ways to cut the cost of coverage.
- Reduce coverage on older vehicles. Deleting physical damage coverage from older vehicles that are no longer worth much can cut the cost of insurance considerably.
- Increasing deductibles lowers insurance cost. Increasing your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
- Choose vehicles that have more affordable auto insurance. Vehicle performance is one of the biggest factors in the price you pay for auto insurance. For example, a Kia Soul costs $1,204 less per year to insure in Tallahassee than a Chevrolet Camaro. Less performance equals cheaper rates.
- Research policy discounts to lower the cost. Discounted rates may be available if the insureds are homeowners, insure their home and car with the same company, are claim-free, insure multiple vehicles on the same policy, or many other policy discounts which could save the average Tallahassee driver as much as $392 per year on auto insurance.
- Obey driving laws to save money. If you want to get the cheapest auto insurance in Tallahassee, it pays to drive within the law. In fact, just one or two traffic violations have the consequences of raising insurance rates by up to $618 per year. Major violations such as driving under the influence could raise rates by an additional $2,156 or more.
- Safe drivers have lower auto insurance rates. Multiple at-fault accidents raise rates, to the tune of $1,120 per year for a 30-year-old driver and even $566 per year for a 60-year-old driver. So be safe and save.