Car Insurance Comparison: Virginia vs. Florida

Planning a move from Virginia to Florida? You may need to update your car insurance.

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Car insurance in Virginia vs. Florida

If you're in the process of relocating from Virginia to Florida, you are probably focused on the obvious concerns and expenses: finding a reliable long-haul moving company, securing somewhere to live in your new state, and setting your move-in schedule.

Amidst all this stress, it can be easy to forget the details. Car insurance coverage is often treated as a detail, but it's a big one. To stay street legal and find cheap rates, you should plan to update your policy — or find a new one — when you make the move.

Check out our guide to car insurance in Virginia and Florida to better understand the steps you should take to ensure your interstate move goes smoothly. We'll cover the following:


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


Virginia vs. Florida auto insurance — average prices

Expect to pay more for auto insurance in your new state. The average annual auto insurance rate in Florida is $692 pricier than the average cost in the state of Virginia. The precise cost will depend on your coverage choice, driving history, and your car insurance company.


CAR INSURANCE RATES IN VIRGINIA AND FLORIDA
StateAverage Annual Price
Virginia$1,127
Florida$1,819


Car insurance prices by coverage level

The amount you pay for car insurance depends on how you use your vehicle and what level of coverage you want.

With state minimum liability auto insurance coverage, you will get bodily injury, medical payment, and property damage liability coverages, in addition to uninsured/underinsured motorist coverage and personal injury protection in some states.


AUTO INSURANCE PREMIUMS FOR MINIMUM LIABILITY COVERAGE IN VIRGINIA vs. FLORIDA
LocationTime PeriodPremium
VirginiaAnnual$376
FloridaAnnual$822
Virginia6-Month$188
Florida6-Month$411
VirginiaMonthly$31
FloridaMonthly$68


Upgrading to full-coverage car insurance incurs further costs, but you'll get the added benefits of comprehensive and collision coverages, along with extras like rental car reimbursement and roadside assistance protection. The primary benefit of full coverage car insurance is that it covers you and your vehicle more comprehensively than does minimum liability coverage. If you're motivated to protect your investment, consider full coverage.


AUTO INSURANCE RATES — FULL COVERAGE IN VIRGINIA vs. FLORIDA
StateDurationPremium
VirginiaAnnual$982
FloridaAnnual$1,903
Virginia6-Month$491
Florida6-Month$951
VirginiaMonthly$82
FloridaMonthly$159


Affordable car insurance companies in Virginia and Florida

A major contributor to your car insurance costs is the insurer you choose. Car insurance companies set premiums in a variety of ways, leading to substantial variations in pricing. Geography also plays a role: some insurers have limited geographic range, while major insurers’ rates may vary by state.

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


AFFORDABLE CAR INSURANCE COMPANIES IN VIRGINIA
Insurance CompanyAverage Annual Rate
Travelers$666
USAA$702
Penn National$733
Cincinnati$748
Utica National$773


See additional cheap auto insurance companies in Virginia.


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


View other affordable auto insurance companies in Florida.


Car insurance rates by city in Virginia and Florida

Although car insurance is regulated at the state level, underwriters assign rates by ZIP code to account for location-specific factors like density and frequency of car crashes. The location to which you relocate plays a major role in deciding your car insurance rates.

The below tables show car insurance rates in major cities in Florida and Virginia.


CAR INSURANCE COSTS BY CITY IN VIRGINIA
CityAverage Annual Rate
Virginia Beach$929
Norfolk$980
Chesapeake$917
Arlington$993
Richmond$995


See a more comprehensive list of insurance rates in Virginia cities here.


AUTO 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 another city's data? View more insurance rates for Florida cities here.


More resources:moving from Virginia to Florida

When you move from Virginia to Florida, you will encounter new driving laws, different SR-22 or FR-44 requirements, and more. Make sure your move is seamless with our collection of information on your new home: