Travelers offers the most affordable car insurance rates in Tallahassee, with annual premiums of $566 for minimum coverage and $1,244 for full coverage. Other budget-friendly options in the city include State Farm, Nationwide and GEICO.
Car Insurance in Tallahassee
Updated: August 10, 2025
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Key Takeaways
The cheapest car insurance companies in Tallahassee are Travelers, State Farm and Nationwide, with rates up to 43% lower than the city average.
Tallahassee car insurance costs average $186 per month for full coverage and $79 for minimum coverage.
To get the best cheap auto insurance in Tallahassee, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Tallahassee?
| Travelers | $47 | $104 | -43% |
| State Farm | $51 | $114 | -38% |
| Nationwide | $65 | $140 | -23% |
| Metropolitan Group | $62 | $153 | -19% |
| GEICO | $56 | $180 | -11% |
Compare the Cheapest Tallahassee Car Insurance for You
Car insurance rates change based on your driving history and personal details, with each profile type seeing different costs from top providers. Check the table below to find which insurance company offers the lowest rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $130 | $1,565 | -53% |
| Travelers | $138 | $1,662 | -50% |
| UAIC | $175 | $2,101 | -37% |
| Nationwide | $194 | $2,327 | -30% |
| Metropolitan Group | $213 | $2,551 | -23% |
Cheapest Car Insurance by Age Group in Tallahassee
Car insurance rates in Tallahassee vary significantly based on your age. We've analyzed rates across three age groups to find the most affordable options:
- Young Drivers (16 to 25): Travelers offers the lowest rates at $101 per month
- Adult Drivers (26 to 64): Travelers leads again with $47 per month
- Senior Drivers (65+): GEICO provides the best rates at $61 per month
Our research shows adults get the most competitive rates, while young drivers face the highest premiums. These rates reflect minimum coverage policies for drivers with good credit and clean driving records.
Cheapest Car Insurance for Young Drivers in Tallahassee
Travelers and State Farm offer the best car insurance rates for young drivers in Tallahassee with average monthly rates starting at $101 and $107 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $101 | $1,217 | -42% |
| State Farm | $107 | $1,288 | -39% |
| Geico | $108 | $1,298 | -39% |
| Metropolitan Group | $119 | $1,432 | -32% |
| Nationwide | $137 | $1,649 | -22% |
Cheapest Car Insurance for Adult Drivers in Tallahassee
In Tallahassee, Travelers provides the lowest rates for adult drivers (26 to 64), saving drivers around 40% on average. State Farm and GEICO are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $47 | $566 | -40% |
| State Farm | $51 | $615 | -35% |
| GEICO | $56 | $676 | -28% |
| Metropolitan Group | $62 | $744 | -21% |
| Nationwide | $65 | $779 | -17% |
Cheapest Car Insurance for Senior Drivers in Tallahassee
For seniors in Tallahassee, GEICO offers the lowest minimum coverage rate at $61 per month ($738 annually), while UAIC provides the most affordable full coverage at $129 monthly ($1,544 per year).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $61 | $738 | -39% |
| State Farm | $63 | $755 | -37% |
| Travelers | $64 | $764 | -36% |
| Metropolitan Group | $77 | $928 | -23% |
| Nationwide | $91 | $1,090 | -9% |
Cheapest Car Insurance for High-Risk Drivers in Tallahassee
If you're a high-risk driver in Tallahassee, these insurance companies offer the lowest rates:
- Cheapest For Bad Credit: GEICO (From $78 per month)
- Cheapest With a DUI: State Farm (From $55 per month)
- Cheapest With an Accident: State Farm (From $59 per month)
- Cheapest With a Speeding Ticket: State Farm (From $55 per month)
Cheapest Car Insurance for Bad Credit in Tallahassee
In Tallahassee, the cheapest monthly premium for bad credit drivers is $78 for minimum coverage from GEICO and $125 for full coverage from UAIC. Both rates offer significant savings compared to city averages, making them affordable options for drivers with poor credit scores.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| GEICO | $78 | $931 | -26% |
| Nationwide | $79 | $948 | -24% |
| Travelers | $83 | $995 | -21% |
| Metropolitan Group | $87 | $1,045 | -17% |
| Progressive | $92 | $1,098 | -13% |
Cheapest Car Insurance With a DUI in Tallahassee
State Farm offers the most affordable car insurance rates for Tallahassee drivers with a DUI. You can save up to 52% on full coverage and 50% on minimum coverage compared to city averages.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $55 | $662 | -49% |
| Travelers | $70 | $840 | -36% |
| AIG | $89 | $1,064 | -19% |
| Metropolitan Group | $95 | $1,139 | -13% |
| GEICO | $97 | $1,162 | -11% |
Cheapest Car Insurance With an Accident in Tallahassee
State Farm offers the lowest car insurance rates in Tallahassee for drivers with accident records, starting at $59 per month. Their rates are 47% below the city average, making them an affordable choice for drivers seeking coverage after an accident.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $59 | $713 | -46% |
| Travelers | $63 | $760 | -43% |
| GEICO | $79 | $945 | -29% |
| Metropolitan Group | $86 | $1,037 | -22% |
| Nationwide | $89 | $1,074 | -19% |
Cheapest Car Insurance With a Speeding Ticket in Tallahassee
State Farm offers the most affordable car insurance for Tallahassee drivers with speeding tickets. Their minimum liability coverage costs $55 per month, while full coverage with higher limits runs $122 monthly.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $55 | $662 | -41% |
| Travelers | $60 | $716 | -36% |
| Metropolitan Group | $62 | $744 | -34% |
| Nationwide | $74 | $884 | -22% |
| Mercury Insurance | $93 | $1,122 | 0% |
Best Car Insurance Companies in Tallahassee
In Tallahassee, the top car insurance companies are Travelers, State Farm, Nationwide and Mercury Insurance. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Travelers | 98 | 1 | 1 | 4 |
| State Farm | 92 | 2 | 3 | 7 |
| Nationwide | 89 | 3 | 6 | 4 |
| Mercury Insurance | 86 | 6 | 4 | 5 |
| GEICO | 84 | 5 | 5 | 7 |
Travelers: Best Overall Value
pros
Top-rated customer service in Tallahassee
Excellent rates for most drivers
Strong coverage options available
cons
Limited local office presence
Fewer add-on coverage choices
COMPANY HIGHLIGHTS
Travelers ranks first in Tallahassee for both customer satisfaction and affordability. The company stands out with consistently lower rates than the city average across most driver categories. Young drivers and those with newer cars find particularly competitive rates here. Strong customer service ratings mean faster claims processing and better support when you need it.
State Farm: Best for High-Risk Drivers
pros
Extensive local agent network
Strong mobile app features
Multiple discount opportunities
cons
Basic coverage options
Higher rates for some drivers
COMPANY HIGHLIGHTS
State Farm earns its second-place ranking by excelling in specific driver categories. The company offers the best rates for senior drivers and those with driving incidents like speeding tickets or accidents. Local agents provide personalized service throughout Florida. While coverage options are basic, State Farm's user-friendly technology and established presence make insurance management straightforward.
How Much Is Car Insurance in Tallahassee?
In Tallahassee, minimum coverage costs $79 per month or $942 per year, ranking 278th out of all Florida cities for affordability. Full coverage averages $186 monthly or $2,235 annually, ranking 292nd among Florida cities.
| Full Coverage | $186 | $2,235 |
| Minimum Coverage | $79 | $942 |
Compare Personalized Tallahassee Car Insurance Costs
Since your exact profile may differ from basic rate breakdowns, use this table to filter Tallahassee car insurance rates by age, driving history and other personal factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $232 | $2,782 | -15% |
Tallahassee Car Insurance Costs by ZIP Code
In Tallahassee, car insurance rates by ZIP code range from $73 to $248 per month. ZIP code 32305 is the most affordable, while 32312 has the highest rates. Check the average rates for your ZIP code below.
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ZIP Code:32312
| 32312 | $104 | $248 |
How to Get the Best Cheap Tallahassee Car Insurance
Finding affordable car insurance in Tallahassee can be challenging with the area's high rates and complex coverage options. Our step-by-step guide shows you how to secure better coverage and lower your auto insurance costs.
- 1
Calculate your coverage needs first
Start by determining exactly how much coverage you need for your situation. Use our car insurance coverage needs calculator to evaluate your vehicle's value, your assets and your risk tolerance. This creates a solid foundation for finding the right balance between cost and protection.
- 2
Explore alternative insurance options
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might be ideal. Don't own a car? Look into non-owner policies for occasional drivers.
- 3
Know the average costs in Tallahassee
Research average vehicle insurance costs in your area to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying.
- 4
Stack up available discounts
Maximize savings through multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, security features and good student discounts can also reduce your premium significantly.
- 5
Check company ratings and reviews
Research insurance providers' financial strength and customer satisfaction ratings. Look for companies with strong claims-handling records and positive customer feedback in Florida. This ensures you're choosing a reliable insurer that will be there when you need them.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools and direct carrier websites to compare rates. Each company uses different factors to calculate premiums, so casting a wide net helps find the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new rates. Life changes like improving credit scores, moving or buying a new car can affect your premiums. Regular policy reviews ensure you maintain the best rates and appropriate coverage for your current situation.
Cheapest Car Insurance in Tallahassee: Bottom Line
Car insurance rates in Tallahassee depend on your age, driving record and credit score. Travelers and State Farm offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Tallahassee Car Insurance: FAQ
Find clear answers about getting affordable car insurance in Tallahassee. Our FAQ section helps you understand coverage options and save money on your policy while meeting Florida's requirements.
What is the cheapest car insurance company in Tallahassee, Florida?
Travelers offers the lowest rates in Tallahassee, with average annual premiums of $566 for minimum coverage and $1,244 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Tallahassee?
Travelers offers Tallahassee's best car insurance with a MoneyGeek score of 98 out of 100, scoring six points higher than State Farm. They excel in both affordable rates and quality service.
What is the average cost of car insurance in Tallahassee?
In Tallahassee, drivers pay $2,235 for full coverage and $942 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Tallahassee expensive?
Car insurance in Tallahassee is more expensive than average, ranking 278th for minimum coverage affordability and 292nd for full coverage compared to other Florida cities.
How We Chose the Best and Cheapest Car Insurance in Tallahassee, FL
To help Tallahassee drivers find the most affordable auto insurance companies, MoneyGeek analyzed Tallahassee auto insurance rates based on data and information from the Florida Office of Insurance Regulation and Quadrant Information Services. We studied all ZIP codes in Tallahassee and hundreds of thousands of quotes for 12 companies offering auto insurance in Florida to tailor options as closely as possible to you.
Tallahassee Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Tallahassee with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Tallahassee
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Florida are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Tallahassee based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.