Comparing Car Insurance in Illinois vs. Florida

If you're moving from Illinois to Florida, consider updating your car insurance.

Location pin icon
Your information is secure.

Car insurance in Illinois vs. Florida

If you are plotting a move from Illinois to Florida, chances are you're focusing on the obvious expenses and concerns: contracting a reliable long-distance moving company, finding somewhere to live in your new state, and physically moving across state lines.

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

Consult our guide to car insurance in Illinois and Florida and make your move painless. We'll cover the following:


  1. Insurance rate comparison
  2. Rates by coverage level
  3. Affordable companies by state
  4. Rates in major cities
  5. Additional resources


Is car insurance cheaper in Illinois or Florida?

Expect to pay more for auto insurance in your new home. The typical annual car insurance rate in Florida is $549 pricier than the average rate in Illinois. The precise cost will depend on your coverage choice, insurance history, and your choice of insurance company.


CAR INSURANCE PREMIUMS IN ILLINOIS VS. FLORIDA
StateAverage Annual Cost
Illinois$1,270
Florida$1,819


Average car insurance costs by coverage level

The cost of an auto insurance policy depends on how you use your vehicle and how much protection you want from your policy.

If you elect your state's minimum coverage, you will carry bodily injury, property damage liability, and medical payment coverages, in addition to uninsured and underinsured motorist coverage and personal injury protection (PIP) in certain states.


AUTO INSURANCE PREMIUMS — MINIMUM LIABILITY COVERAGE IN ILLINOIS vs. FLORIDA
StateTime PeriodRate
IllinoisAnnual$422
FloridaAnnual$822
Illinois6-Month$211
Florida6-Month$411
IllinoisMonthly$35
FloridaMonthly$68


Choosing to carry full-coverage auto insurance will raise your premiums, but you'll get the added protection of collision and comprehensive coverages, as well as perks like rental reimbursement and roadside assistance. The chief pro of full coverage car insurance is that it protects your vehicle and you more comprehensively than does basic car insurance coverage. If you want to go the extra mile to protect your investment in your vehicle, full coverage is recommended.


AUTO INSURANCE RATES — FULL COVERAGE IN ILLINOIS vs. FLORIDA
StateTime PeriodCost
IllinoisAnnual$1,120
FloridaAnnual$1,903
Illinois6-Month$560
Florida6-Month$951
IllinoisMonthly$93
FloridaMonthly$159


Cheap auto insurance companies in Illinois and Florida

A primary determinant of your car insurance costs is your choice of auto insurance company. Car insurance companies price premiums in a number of ways, resulting in substantial variations in pricing. Geography also plays a role: some regional companies only sell policies in a few states, while major insurers' rates change by state.

When moving, you should look to find the best cheap insurance company in your new location. Get started below by viewing the five most affordable auto insurance companies in Illinois and Florida.


AFFORDABLE AUTO INSURANCE COMPANIES IN ILLINOIS
CompanyAverage Annual Rate
The Hartford$761
Rockford Mutual$830
Titan$869
Erie$896
Cincinnati$906


See other cheap auto insurance companies in Illinois.


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


See more inexpensive auto insurance companies in Florida.


Car insurance rates by city in Illinois and Florida

Although car insurance is regulated by states, underwriters price rates by ZIP code to adjust for location-specific factors such as density and the likelihood of a crash. The location to which you relocate plays a big part in deciding your premiums.

The below tables show auto insurance rates in major cities in Florida and Illinois.


AUTO INSURANCE PRICES BY CITY IN ILLINOIS
CityAverage Annual Rate
Chicago$1,514
Aurora$1,064
Rockford$1,130
Joliet$1,157
Naperville$1,032


View a more comprehensive list of car insurance rates in Illinois cities here.


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


Looking for rates in another city? View rates in other Florida cities here.


More information on moving from Illinois to Florida

When you move from Illinois to Florida, you will face a new set of driving laws, potentially different SR-22 rules, and more. Ensure your move is as easy as possible with our collection of information on your new home: