Best Cheap Homeowners Insurance in Tallahassee, FL 2025
Travelers offers the cheapest homeowners insurance to homeowners in Tallahassee, with an average annual quote of $655.
We’ve saved shoppers an average of $450 per year on their home insurance.
In Tallahassee, Travelers provides the cheapest policy, with average annual rates of $655. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.
Tallahassee experiences approximately 5,000 residential burglaries annually. Additionally, Tallahassee’s rates climb with hurricanes, flooding, tornadoes, wildfires, and rising rebuild costs.
To help people navigate the tough home insurance market, I researched several options to find you the best and cheapest home insurance companies in Tallahassee, FL.
Key Takeaways
Travelers provides the cheapest home insurance policy in Tallahassee, at an average annual rate of $655.
The average cost of homeowners insurance in Tallahassee is $1,528 per year.
There are various ways to save on your premiums, such as shopping around for quotes and re-assessing your coverage needs.
Cheapest Homeowners Insurance In Tallahassee – Travelers
Travelers is the cheapest overall carrier for homeowners insurance in Tallahassee, FL, with an average annual rate of $655.
| Company | Annual Premium |
| Heritage Insurance | $1,224 |
| Tower Hill | $664 |
| Travelers | $655 |
| Universal Property | $1,405 |
| Security First | $906 |
Cheapest Homeowners Insurance In Tallahassee If You Have Poor Credit – Security First
If your credit score is poor, Security First provides the most affordable solution, with an average annual rate of $897.
| Insurance Company | Average Annual Premium |
| Florida Peninsula | $1,525 |
| Tower Hill | $1,091 |
| Security First | $897 |
| American Integrity | $1,552 |
| Universal Property | $1,350 |
Cheapest Homeowners Insurance In Tallahassee For Older Homes – Security First
For those with older homes, Security First offers the cheapest rates, averaging $965 per year.
Older homes often come with unique risks and maintenance issues, which can drive up insurance costs.
| Insurance Company | Average Annual Premium |
| State Farm | $1,162 |
| Security First | $965 |
| Florida Peninsula | $1,135 |
| Tower Hill | $1,590 |
| Universal Property | $1,089 |
Cheapest Homeowners Insurance For Newly Constructed Homes – Nationwide
If you’re the proud owner of a newly constructed home, Nationwide offers the most cost-effective solution, with an average annual rate of $734.
| Insurance Company | Average Annual Premium |
| Chubb | $1,450 |
| Nationwide | $734 |
| Allstate | $1,349 |
| State Farm | $775 |
| Heritage Insurance | $1,618 |
Cheapest Home Insurance In Tallahassee For A History Of Claims – Tower Hill
For homeowners with a history of claims, Tower Hill provides an affordable solution, with an average annual rate of $860.
A history of claims can raise red flags for insurers, often leading to higher premiums.
| Insurance Company | Average Annual Premium |
| Florida Peninsula | $1,525 |
| American Integrity | $1,552 |
| Tower Hill | $860 |
| Universal Property | $1,349 |
| Security First | $888 |
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Best Homeowners Insurance Companies In Tallahassee, FL
To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Tallahassee, FL. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability.
Take a look at our comparison chart below and find the perfect fit for your home insurance needs.
| Company | Annual Premium |
| Security First | $893 |
| State Farm | $1,720 |
| Tower Hill | $685 |
| Universal Property | $1,412 |
| Allstate | $1,980 |
| Chubb | $2,456 |
| Nationwide | $1,551 |
How Much Is Homeowners Insurance In Tallahassee, FL?
The average cost of home insurance in Tallahassee is approximately $1,528 per year. It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.
As you can see below, rates in Tallahassee are lower than the National average and the Florida State average.
| Area | Average Monthly Rate |
| National | $2,408 |
| Florida | $3,390 |
| Tallahassee | $1,528 |
Average Tallahassee Home Insurance Rates By ZIP Code
The cost of homeowners insurance in Tallahassee, FL, can vary significantly based on the ZIP code.
The table below showcases average rates for different zip codes in Tallahassee.
| ZIP Code | Average Annual Premium |
| 32310 | $1,888 |
| 32301 | $1,876 |
| 32312 | $1,882 |
| 32317 | $1,887 |
| 32303 | $1,883 |
Cheapest ZIP Codes For Home Insurance In Tallahassee
At $1,874 per year, the ZIP code 32304 is the cheapest average ZIP code for home insurance in Tallahassee.
| ZIP Code | Average Annual Premium |
| 32312 | $1,882 |
| 32304 | $1,874 |
| 32303 | $1,883 |
| 32308 | $1,878 |
| 32301 | $1,876 |
Most Expensive ZIP Codes For Home Insurance In Tallahassee
The most expensive ZIP code in Tallahassee is 32309, at an average annual premium of $1,910.
| ZIP Code | Average Annual Premium |
| 32313 | $1,907 |
| 32307 | $1,901 |
| 32310 | $1,888 |
| 32306 | $1,905 |
| 32309 | $1,910 |
Average Home Insurance Rates In Tallahassee, FL, By Deductible Amount
The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Tallahassee, FL. Generally, a higher deductible means lower premiums, but you’ll pay more out of pocket if you need to make a claim.
Here’s how the average home insurance rates in Tallahassee fluctuate with insurers for different deductible amounts:
| Insurer | Annual Rate for $500 Deductible | Annual Rate for $1,000 Deductible | Annual Rate for $1,500 Deductible |
| Security First | $1,011 | $895 | $835 |
| Tower Hill | $778 | $685 | $640 |
| Allstate | $2,237 | $1,980 | $1,848 |
| State Farm | $1,944 | $1,720 | $1,605 |
| Universal Property | $1,593 | $1,410 | $1,315 |
Average Home Insurance Rates In Tallahassee, FL, By Coverage Amount
One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.
The table below outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.
| Dwelling Coverage Amount | Average Annual Premium |
| $200,000 | $2,124 |
| $250,000 | $2,508 |
| $300,000 | $2,932 |
| $350,000 | $3,370 |
| $400,000 | $3,802 |
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Compare Home Insurance Rates To Other Cities In Florida
The following table shows the average rates of home insurance across various cities in Florida.
| City | Annual Premium |
| Tampa | $2,057 |
| Jacksonville | $1,978 |
| Miami | $3,413 |
| Lake City | $2,004 |
| St. Petersburg | $2,391 |
Bundle Home With Auto Insurance
Bundling your homeowner’s insurance with your auto insurance is a popular way to lower premiums. Many insurance providers offer discounts when you combine multiple policies, as they see it as an opportunity to retain you as a customer across different types of coverage. The savings from bundling can vary, but it’s common to see discounts ranging from 5% to 9% on your home insurance premium.
This method can be especially useful for homeowners who already have an auto insurance policy. By consolidating both policies with the same insurer, you simplify your insurance management and may receive better overall customer service. In addition to lower premiums, bundling may also provide more flexible payment options and potentially higher coverage limits.
Before deciding to bundle, it’s important to compare the total cost of bundling with the cost of purchasing separate policies. While bundling may offer discounts, it’s still worth ensuring that each individual policy provides the coverage you need at a reasonable rate.
How To Get Homeowners Insurance In Florida
With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.
Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.
Our Methodology
To find the cheapest home insurance rates in Tallahassee, we analyzed findings from numerous home insurance review sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. We’ve used an average of those rates for this review, but each company’s rates change frequently and will vary based on your situation. Also factored into the overall rating is my subjective opinion based on fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.
About Bob Phillips
