What Makes Car Insurance Expensive in Tallahassee, FL?

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The average cost of auto insurance in Tallahassee, FL, is $1,149 and ranges from $820 to $1,623. Car owners in Tallahassee, FL, can reduce the cost of auto insurance by comparing multiple quotes and reviews. Car owners here can save up to $460. The cost of auto insurance depends on numerous factors ranging from the make and model of the car to the driver’s age. This cost also varies by the neighborhood one lives in and the rate of thefts in that area.

Driving Record:

A poor driving record can lead to a massive increase in auto insurance costs for car owners in Tallahassee, FL. Moreover, post-DUI, the cost of auto insurance rises to $2,137. Other major driving violations can also cause a massive increase in rates. Driving with an expired license or running a red light can severely increase as well as have a long-term impact on one’s premium. The average cost of auto insurance post-DUI for male teenagers is $5,747, and $5,128 for female teenagers. Being a safe driver has its benefits since the amount of risk undertaken by the insurer is low for drivers with fewer violations.

Credit Score:

Possessing a healthy credit score is essential in lowering the cost of auto insurance in Tallahassee. The cost of auto insurance can be high if the credit score of the car owners is “average” or “poor.”

Deductibles:

The rate of deductibles is one of the most common factors affecting the cost of auto insurance in Tallahassee, FL. Opting for a higher deductible helps in reducing the cost of auto insurance, while a lower deductible increases it. For instance, in Tallahassee, the average cost of auto insurance (Lexus ES 350) when the deductible is $500 is $1,210. This reduces to $1,120 when the rate of the deductible is $1,000.

Demographics:

The age and gender of the driver are major factors that affect the cost of auto insurance. Younger drivers end up spending more on auto insurance because of their lack of experience behind the wheel. Consequently, an increase in driving experience can reduce the cost of auto insurance. As the above infographic indicates, the cost of auto insurance for male teenagers in Tallahassee is a massive $3,090. In contrast, it is as low as $965 and $1,654 for married women and senior women, respectively.