CarInsurance.com Insights
- CarInsurance.com research shows that GEICO and State Farm offer the lowest state minimum car insurance rates in Tallahassee, with yearly premiums of $574 and $644, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Tallahassee can save an average of $3,272 per year on full coverage car insurance.
UAIC, Travelers and State Farm are the top insurers with the most affordable car insurance rates for drivers in Tallahassee, Florida for a full coverage policy.
In Tallahassee, an adult with a clean driving record and good insurance score typically pays $981 per year for a state minimum car insurance policy and expect to pay $3,308 on average if you choose to purchase a full coverage policy.
Insurance companies take various factors into account, including age, driving history and car make and model, to determine premiums.
Location is another important factor that helps insurers calculate your insurance rates. Premiums vary significantly between cities and even by ZIP codes within the same city. High-traffic areas generally lead to more accidents and claims, so insurers also consider population density, road conditions and weather to determine rates.
That’s why our team of experts has created this guide to help you make smart decisions about car insurance. It also highlights the cheapest insurance companies in Tallahassee.
Who offers the cheapest car insurance rates in Tallahassee, Florida?
GEICO offers the cheapest state minimum car insurance in Tallahassee, with an average annual cost of $574 or $48 per month. For full coverage, UAIC provides the most affordable rates, averaging $181 per year for 100/300/100 limits and $500 collision and comprehensive deductibles.
See the companies below that offer affordable car insurance to drivers in Tallahassee.
| Insurance company | Annual premium |
|---|---|
| UAIC | $2,177 |
| Travelers | $2,259 |
| State Farm | $2,306 |
| GEICO | $2,502 |
| Nationwide | $2,726 |
| Mercury Insurance | $3,501 |
| National General | $3,912 |
| Allstate | $4,020 |
| Farmers | $4,231 |
| Progressive | $5,449 |
Average car insurance rates in Tallahassee
According to our rate analysis, state minimum coverage in Tallahassee costs an average of $981 per year. Opting for liability-only coverage with 50/100/50 limits would increase your monthly payment by $65 and your yearly premium by $781.
For full coverage (100/300/100with $500 collision and comprehensive deductibles), you can expect to pay $194 more per month or $2,327 per year. However, it’s worth the extra cost as it provides adequate protection to drivers in the event of an accident.
| Coverage type | Annual premium |
|---|---|
| State minimum | $981 |
| Liability only (50/100/50) | $1,762 |
| Full coverage (100/300/100, $500 ded.) | $3,308 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $3,540 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $3,110 |
| Non-owners | $765 |
Cheapest rates for drivers in Tallahassee, Florida, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | UAIC | $5,278 |
| Young adults (20-24) | UAIC | $3,042 |
| Adults (25-60) | UAIC | $2,198 |
| Seniors (65-75) | UAIC | $2,121 |
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How you can save on your car insurance policy
You can save an average of $3,272 annually or $273 monthly on a full coverage policy in Tallahassee, Florida, by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your location, age and driving record, this shows a significant benefit to shopping for your policy.
Expert’s take on getting car insurance in Tallahassee
Shopping for a new auto insurance policy at renewal time is the best way to ensure you have the cheapest car insurance in Tallahassee, Florida. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. ‘Teen drivers.’ Accessed February 2026.
- Insurance Information Institute. ‘Senior driving safety and insurance tips.’ Accessed February 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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