Updated: December 29, 2025
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Travelers: Cheapest across most driver profiles. At $47 monthly for minimum coverage and $104 for full coverage, Travelers saves drivers 43% compared to Tallahassee's average.
State Farm: Second cheapest at $51 monthly minimum and $114 full coverage. It's affordable for senior drivers, drivers with an accident and drivers with a DUI.
Nationwide: Third cheapest at $65 monthly minimum and $140 full coverage, with rates 23% below city average.
Cheapest Monthly Rates by Coverage and Driver Profile in Tallahassee:
Travelers offers the cheapest minimum coverage at $47 monthly, while State Farm is the second cheapest at $51. For full coverage, Travelers stays the cheapest at $104 monthly, with State Farm second at $114. Both save you over 38% compared to Tallahassee's average. Get quotes from at least three companies because rates vary by ZIP code and driving history.
| Travelers | $47 | $104 | -43% |
| State Farm | $51 | $114 | -38% |
| Geico | $56 | $180 | -11% |
| Metropolitan Group | $62 | $153 | -19% |
| Nationwide | $65 | $140 | -23% |
Not in Tallahassee? Read more about the cheapest car insurance in Florida or the best car insurance in Florida.
Teens and drivers in their early 20s pay the highest rates due to inexperience. Travelers offers the cheapest full coverage at $233 monthly. UAIC charges $250, and State Farm costs $252.
Young drivers can cut costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| Travelers | $234 | $2,807 | -46% |
| UAIC | $251 | $3,007 | -42% |
| State Farm | $252 | $3,030 | -42% |
| Nationwide | $309 | $3,705 | -29% |
| Metropolitan Group | $311 | $3,731 | -29% |
Senior drivers in Tallahassee pay lower rates than most age groups. State Farm charges the least at $137 monthly for full coverage. Travelers costs $139, and UAIC charges $140. Defensive driving courses earn seniors up to 10% discounts that last three years. Most insurers offer accident forgiveness programs for drivers 65 and older.
| State Farm | $137 | $1,646 | -43% |
| Travelers | $140 | $1,678 | -42% |
| UAIC | $140 | $1,681 | -42% |
| Metropolitan Group | $190 | $2,283 | -21% |
| Nationwide | $199 | $2,383 | -17% |
Violations increase your rates, though insurers charge different amounts for the same infraction. State Farm charges drivers with at-fault accidents $59 monthly for minimum coverage, compared to Travelers' $63. For speeding tickets, State Farm costs $55 a month, and Travelers charges $59. State Farm offers the best DUI rates at $55 monthly, with Travelers at $69.
Compare quotes after a violation, as rates differ by hundreds of dollars across insurers. Speeding tickets stay on your record for three to five years. DUIs and serious violations affect rates for up to 10 years.
| At-Fault Accident | State Farm | $59 | -46% |
| At-Fault Accident | Travelers | $63 | -43% |
| DUI | State Farm | $55 | -49% |
| DUI | Travelers | $70 | -36% |
| Speeding Ticket | State Farm | $55 | -41% |
| Speeding Ticket | Travelers | $60 | -36% |
Tallahassee rates span from $171 to $248 monthly for full coverage, depending on your ZIP code. High-risk areas like 32312 cost $248. Safer neighborhoods like 32308 cost $171.
Your ZIP code matters more than your neighborhood name when insurers calculate rates. Theft rates, traffic density and accident frequency create a $77 monthly gap between Tallahassee's most and least expensive ZIP codes.
| 32312 | $248 |
| 32317 | $245 |
| 32304 | $176 |
| 32310 | $176 |
| 32301 | $175 |
| 32306 | $175 |
| 32307 | $175 |
| 32311 | $174 |
| 32305 | $174 |
| 32313 | $174 |
| 32308 | $171 |
| 32309 | $172 |
| 32311 | $174 |
| 32305 | $174 |
| 32303 | $174 |
| 32313 | $174 |
| 32301 | $175 |
| 32306 | $175 |
| 32307 | $175 |
| 32310 | $176 |
Travelers leads Tallahassee's insurance market with a MoneyGeek score of 98 out of 100. The company combines the lowest average premiums with outstanding customer service scores and comprehensive coverage options.
State Farm, Nationwide, Mercury and GEICO are also great options. These insurers offer competitive rates, quality 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 |
Cheapest rates across most driver profiles
Full coverage rates 43% below city average
4.2 out of 5 customer service rating
No rideshare coverage under personal auto policies
Gap insurance not available in Florida
Fewer discount programs than competitors
Travelers ranks first in Tallahassee with the lowest rates for most drivers and a 4.2 out of 5 customer service rating. It charges full coverage rates 43% below the city average and provides fast claims processing through its mobile app.
Travelers handles hurricane season challenges with a dedicated catastrophe response team. Its Responsible Driver Plan provides accident forgiveness, and it offers comprehensive coverage options for Tallahassee's weather and driving risks.
Second cheapest rates across most profiles
Competitive pricing for seniors and drivers with violations
Strong customer service with local agent network
Minimum coverage costs above Travelers
Fewer digital tools than top competitors
Limited coverage add-ons compared to national carriers
State Farm ranks second in Tallahassee with competitive rates for seniors, drivers with violations and drivers with accidents. It charges $51 monthly for minimum coverage and $114 for full coverage, both below city averages.
State Farm combines 24/7 digital tools with local agents for claims processing. It handles hurricane season challenges efficiently through its mobile app and local agent network.
Tallahassee drivers pay elevated car insurance rates. Finding affordable coverage requires comparing quotes from multiple insurers.
Bundle auto with home or renters (15% to 25% off). Add multi-car discounts (10% to 25% per vehicle). Combine good driver, paperless billing and automatic payment for 30% to 40% total savings.
Move from $500 to $1,000 and save 10% to 15% annually. Choose only what you can afford in cash.
Rates change yearly as companies adjust for Tallahassee's risk profile. Your driving record improves after three years, unlocking lower rates.
Our research breaks down Tallahassee insurance options to help you secure quality coverage without overpaying.
Tallahassee car insurance is moderately expensive. It costs $186 a month for full coverage. The most expensive location in Florida costs $363 per month, and the cheapest costs $63.
Finding affordable car insurance in Tallahassee starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Florida's insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 32312 often pay much more than those in 32308.
We partnered with the Florida Office of Insurance Regulation and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Tallahassee ZIP code.
Our ratings for the best car insurance in Tallahassee are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Tallahassee neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
