For a 40-year-old driver with a clean record, Tallahassee car insurance averages about $271 a month ($3,250 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 18% below the Florida average of $331 a month. Travelers has the lowest full-coverage average among the four major insurers we compared (Allstate, GEICO, Progressive and Travelers), at about $181 a month.
Tallahassee is the second-least expensive of our 26 Florida city guides, after Gainesville: our benchmark driver pays about $271 a month for full coverage, about 18% below the statewide average on our Florida car insurance rates page.
Leon County’s average is the same as Tallahassee’s, because all 10 Leon County ZIP codes in our data have a Tallahassee mailing address.
Cost data comes from the auto rates insurers file with state regulators, priced across all 10 Tallahassee ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
In Tallahassee, full coverage costs about $271 a month ($3,250 a year) and liability-only coverage at 15/30/10 limits costs $99, for a 40-year-old driver with a clean record, using rates insurers had filed with state regulators as of Aug. 31, 2026. Compared with the Florida average of $331 a month, full coverage here is 18% lower.
Travelers has the lowest full-coverage average among these four insurers in Tallahassee. Among the published 2026 statewide Florida rate studies we reviewed, there is no agreement on the cheapest insurer for full coverage. Of the eight that rank insurers, three name State Farm, three name GEICO and two name Travelers. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average among these four insurers, at about $71 a month, with Travelers close behind at $74.
Full-coverage averages by insurer in Tallahassee
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $885 | $74 | $2,166 | $181 |
| GEICO | $850 | $71 | $2,588 | $216 |
| Allstate | $1,337 | $111 | $4,119 | $343 |
| Progressive | $1,691 | $141 | $4,127 | $344 |
| State Farm (Nov. 2025 rates)* | $815 | $68 | $2,191 | $183 |
| United Automobile Insurance* | $1,788 | $149 | $2,637 | $220 |
| Nationwide* | $1,440 | $120 | $3,065 | $255 |
| Mercury Insurance* | $992 | $83 | $3,401 | $283 |
| Farmers* | $1,330 | $111 | $4,367 | $364 |
| National General* | $1,518 | $127 | $4,597 | $383 |
| Tallahassee average | $1,191 | $99 | $3,250 | $271 |
This table uses Tallahassee ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 10 Tallahassee ZIP codes we price, full coverage for our driver ranges from about $264 a month in 32309 and 32317 to $276 in 32303, 32304 and 32310, a gap of $149 a year. The two least expensive of the 10, 32309 and 32317, are northeast and east of downtown, and the three most expensive, 32303, 32304 and 32310, are on the west side, but the whole spread is only about $12 a month.
Lowest-priced Tallahassee ZIP codes
Highest-priced Tallahassee ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Tallahassee’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 32301 | $1,211 | $101 | $3,298 | $275 | +1% |
| 32303 | $1,211 | $101 | $3,312 | $276 | +2% |
| 32304 | $1,210 | $101 | $3,312 | $276 | +2% |
| 32305 | $1,189 | $99 | $3,237 | $270 | About average |
| 32308 | $1,163 | $97 | $3,176 | $265 | -2% |
| 32309 | $1,159 | $97 | $3,163 | $264 | -3% |
| 32310 | $1,209 | $101 | $3,311 | $276 | +2% |
| 32311 | $1,194 | $100 | $3,246 | $271 | About average |
| 32312 | $1,203 | $100 | $3,281 | $273 | +1% |
| 32317 | $1,160 | $97 | $3,166 | $264 | -3% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $417 a year on average in our Tallahassee data, with the same $500 deductibles. That’s about $35 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same Tallahassee ZIP codes, their full-coverage average fell from $3,987 a year nine months earlier to $3,611 in rates as of Aug. 31, 2026, a 9.4% drop. Tallahassee averages dropped 16.6% at Progressive, 4.5% at Allstate and 4.1% at GEICO. Travelers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Tallahassee average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 8.0%, led by Progressive, which cut its liability-only average 12.8%.
North Florida costs less in our data than South Florida. Leon County averages about $271 a month for full coverage, the 19th-least expensive of the 66 Florida counties we price, compared with $416 in Palm Beach County. Towns in the surrounding counties cost about the same or less: Quincy, to the northwest, and Crawfordville, to the south, average about $271 and $270 a month, and Monticello, to the east, $258.
Among these four insurers, Travelers has the lowest full-coverage average in Tallahassee, about $181 a month, and GEICO is next at $216. The State Farm row in our table, from its November 2025 rates, is about $183.
More Florida cities and towns are in the Florida rates by city table, and you can compare states on our car insurance rates by state page.
Tallahassee is a long way from our other guide cities. Gainesville, about 130 miles southeast, averages $257 a month, and Jacksonville, about 155 miles east, $321.
Drivers in Tallahassee follow Florida’s rules. Every vehicle registered in Florida must carry at least:
Bodily injury liability isn’t required for most Florida drivers. You need it after certain at-fault injury crashes, at 10/20 with an SR-22 filing for three years, according to the Florida Department of Highway Safety and Motor Vehicles, or after a DUI conviction, at 100/300/50 with an FR-44 filing for at least three years, under Florida Statutes section 324.023. Uninsured motorist coverage comes with any bodily injury liability policy unless you reject it in writing, under section 627.727.
Florida’s no-fault law is still in place. The 2026 bills that would have repealed it, S.B. 522 and H.B. 769, died in committee on March 13, 2026. Our Florida requirements guide covers the no-fault rules and the penalties for letting coverage lapse.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Florida law and the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
Car insurance in Tallahassee costs about $271 a month ($3,250 a year) for full coverage and $99 for liability-only coverage at 15/30/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 18% below the Florida average of $331 a month.
Travelers has the lowest full-coverage average among the four major insurers we compared in Tallahassee, at about $181 a month, followed by GEICO at $216. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average among the four major insurers we compared, at about $71 a month. The published 2026 statewide Florida rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. Rates vary by driver, so compare quotes for your own car and ZIP code.
Gainesville, for our benchmark driver. Tallahassee full coverage averages about $271 a month and Gainesville about $257, a difference of about $14 a month for the same driver and car.
In our data, 32309 and 32317 share the lowest full-coverage average in Tallahassee, at about $264 a month, and 32303, 32304 and 32310 the highest, at about $276. The ZIP code table on this page lists all 10.
In our Tallahassee data, full coverage (100/300/100 with $500 deductibles) averages about $271 a month and liability-only coverage at 15/30/10 limits about $99, a difference of about $172 a month ($2,059 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Florida law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the three insurers in both sets of rates (Travelers is new over the past nine months), their Tallahassee full-coverage average fell 9.4%, from about $3,987 to $3,611 a year. That’s higher than the Tallahassee average of $3,250 because it leaves out Travelers. Progressive cut its Tallahassee average 16.6%, Allstate 4.5% and GEICO 4.1%. Liability-only coverage at 15/30/10 limits fell 8.0%.
For our benchmark driver, full coverage in Tallahassee averages about $271 a month. Nearby, Gainesville averages about $257, Jacksonville about $321 and Spring Hill about $346. Gainesville is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
