Comparing Auto Insurance in Florida vs. Colorado

If you're moving from Florida to Colorado, you should consider the consequences for your car insurance.

Car insurance in Florida vs. Colorado

If you are moving from Florida to Colorado, you’re probably focusing on the obvious concerns and expenses: finding a dependable long-distance moving service, finding a new apartment or house in your new city, and arranging your interstate move.

Amidst the stress of a move, it's easy to overlook some details. Auto insurance is among the many details, but it's important. In order to stay legal and find a good deal, you should plan to update your policy — or find a new insurer altogether — when you move.

Check out our guide to auto insurance in Florida vs. Colorado to streamline your move. We'll cover the following:


  1. Insurance rate comparison
  2. Insurance rates by coverage level
  3. Affordable companies by state
  4. Rates by city
  5. Additional resources


Florida vs. Colorado car insurance — average rates

You should expect to pay less for auto insurance once you relocate. The average annual auto insurance rate in Colorado is $404 less expensive than the average rate in Florida. The exact cost will depend on your coverage level, driving and insurance history, and your auto insurance company.


AUTO INSURANCE PREMIUMS IN FLORIDA VS. COLORADO
StateAverage Annual Premium
Florida$1,819
Colorado$1,416


Average car insurance premiums by coverage level

The cost of your car insurance coverage depends on how you use your vehicle and what degree of protection you want your insurer to provide.

If you decide to go with state minimum liability auto insurance coverage, you will have bodily injury, medical payment, and property damage liability coverages, in addition to uninsured and underinsured driver coverage and personal injury protection (PIP) in some states.


AUTO INSURANCE PREMIUMS — MINIMUM COVERAGE IN FLORIDA vs. COLORADO
StateTime PeriodCost
FloridaAnnual$822
ColoradoAnnual$521
Florida6-Month$411
Colorado6-Month$260
FloridaMonthly$68
ColoradoMonthly$43


Choosing to carry full-coverage auto insurance incurs additional costs, but you'll receive collision and comprehensive coverage levels, plus extras such as rental car reimbursement and roadside assistance protection. The primary benefit of full coverage auto insurance is that it covers your vehicle and you more comprehensively than does minimum liability coverage. If you're motivated to protect your investment in your vehicle, full coverage could be the way to go.


AUTO INSURANCE PREMIUMS FOR FULL COVERAGE IN FLORIDA vs. COLORADO
StatePeriodPremium
FloridaAnnual$1,903
ColoradoAnnual$1,406
Florida6-Month$951
Colorado6-Month$703
FloridaMonthly$159
ColoradoMonthly$117


Affordable car insurance companies in Florida and Colorado

A major determinant of your auto insurance costs is the insurer you choose. Car insurance companies set rates in a variety of ways, leading to substantial variations in pricing. Geography also comes into play: some insurers have limited geographic range, while major insurance companies shift rates by state.

When swapping states, you should look to find the best cheap insurance company offering policies in your new state. Get your research started below with our list of the five most affordable auto insurance companies in Florida and Colorado.


AFFORDABLE CAR INSURANCE COMPANIES IN FLORIDA
CompanyAverage Annual Rate
USAA$760
Travelers$1,073
Nationwide$1,267
Atlantic States$1,305
Cal Casualty$1,319


See other affordable auto insurance companies in Florida.


AFFORDABLE CAR INSURANCE COMPANIES IN COLORADO
Car Insurance CompanyAverage Annual Rate
The Hartford$842
Grange$968
USAA$1,019
Nationwide$1,132
GEICO$1,164


See more cheap auto insurance companies in Colorado.


Car insurance rates by city in Florida and Colorado

While car insurance is regulated at the state level, insurance companies assign rates by ZIP code to account for local factors such as density and the likelihood of a crash. The specific location to which you move plays a big part in deciding how much you pay for auto insurance.

View the below tables to see car insurance rates in major cities in Colorado and Florida.


CAR INSURANCE PRICES BY CITY IN FLORIDA
CityAverage Annual Rate
Jacksonville$2,000
Miami$3,209
Tampa$2,584
St. Petersburg$2,241
Orlando$2,049


See a longer list of Florida cities here.


CAR INSURANCE PREMIUMS BY CITY IN COLORADO
CityAverage Annual Rate
Denver$1,411
Colorado Springs$1,303
Aurora$1,389
Fort Collins$1,078
Lakewood$1,351


Seeking data on another city? View car insurance rates in other Colorado cities /a>.here.


More resources:moving from Florida to Colorado

When moving from Florida to Colorado, you will encounter new driving laws, potentially different SR-22 rules, and more. Ensure your move goes off without a hitch with our data on your new state: