In Tallahassee, State Farm provides the best home insurance, balancing affordability, customer service and coverage options. If you're focused on price, State Farm also offers the lowest premium at $85 per month.
Cheap Home Insurance in Tallahassee
Updated: June 13, 2025
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Key Takeaways
State Farm is the best overall home insurance company in Tallahassee and offers the cheapest rates at $1,022 per year.
For most homeowners in Tallahassee, home insurance costs an average of $224 per month or $2,689 per year.
To find the best and cheapest home insurance in Tallahassee, assess your coverage needs, research providers and compare quotes thoroughly.
Best Cheap Home Insurance Companies in Tallahassee
| State Farm | 93 | $85 | $1,022 |
| Allstate | 79 | $163 | $1,959 |
| Florida Peninsula Insurance | 79 | $168 | $2,017 |
| Nationwide | 78 | $251 | $3,010 |
| Heritage Insurance | 68 | $161 | $1,926 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Tallahassee Home Insurance Cost?
Home insurance rates in Tallahassee depend on factors like your home's age, chosen coverage and personal profile. Costs range from $60 to $797 monthly. Use the table below to explore rates tailored to your situation based on home age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $60 | $726 |
How to Get the Best Cheap Home Insurance in Tallahassee
Finding affordable home insurance in Tallahassee can be challenging. We've put together a step-by-step guide to help you discover the best cheap homeowners insurance tailored to your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Florida for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes from various sources helps you identify the best option for you. Pricing also varies depending on where you get your quote. We recommend using online tools, independent agents and captive agents to get quotes to make sure you get the lowest price.
Best Home Insurance in Tallahassee: Bottom Line
The best and most affordable home insurance companies in Tallahassee are State Farm, Allstate and Florida Peninsula. However, comparing multiple quotes on your own is the smartest way to ensure you're getting the best rate.
Tallahassee Home Insurance: FAQ
We answer common questions about home insurance in Tallahassee.
Who offers the best home insurance in Tallahassee?
We recommend State Farm as the best home insurance provider in Tallahassee for its competitive pricing, strong service and diverse coverage options. Additionally, consider quotes from Allstate, Florida Peninsula, Nationwide and Heritage Insurance.
Who has the cheapest home insurance in Tallahassee?
State Farm has the most affordable home insurance for the average homeowner in Tallahassee, costing about $85 per month or $1,022 yearly. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Tallahassee?
Home insurance costs in Tallahassee can range from $726 to $9,569 annually, depending on home age, coverage levels and other property specifics.
How We Decided the Best Cheap Home Insurance Companies in Tallahassee
MoneyGeekâs study analyzed home insurance premiums from 10 companies in Tallahassee. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
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 masterâs degree in economics and international relations from Johns Hopkins University and a bachelorâs 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.