Is Car Insurance Cheaper in Arizona or Florida?

Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

By Ross Martin

Updated September 16, 2024

Edited By Renata Balasco

Comparing auto insurance in Arizona and Florida

If you're in the process of moving from Arizona to Florida, you are probably fixated on the obvious concerns and expenses: tracking down a dependable long-haul moving company, securing a new apartment or house in your new locale, and arranging your move across state lines.

With all of this going on, it can be easy to forget the details. Auto insurance is often treated as a detail, but it's an important one. To find a good deal and stay street legal, you’ll need to update your insurance policy — or find a new insurance company — when you move across state lines.

Check out our guide to auto insurance in Arizona vs. Florida and make your move painless. We'll cover the following topics:

Insurance cost comparison
Rates by coverage level
Affordable companies by state
Rates by city
Additional resources

Arizona vs. Florida auto insurance — average prices

You should expect to pay more for auto insurance in your new state. The average annual auto insurance rate in Florida is $462 more costly than the average rate in Arizona. The precise cost will depend on your coverage, driving history, and your auto insurance company.

AUTO INSURANCE RATES IN ARIZONA AND FLORIDA

State	Average Annual Rate
Arizona	$1,357
Florida	$1,819

Average car insurance prices by coverage level

The cost of car insurance coverage depends on how you use your vehicle and how much protection you want.

If you go with your state's minimum liability car insurance coverage, you’ll most likely carry medical payment, bodily injury, and property damage liability coverages, plus uninsured and underinsured motorist coverage and personal injury protection (PIP) in some states.

AUTO INSURANCE PREMIUMS FOR BASIC LIABILITY COVERAGE IN ARIZONA vs. FLORIDA

State	Time Period	Premium
Arizona	Annual	$513
Florida	Annual	$822
Arizona	6-Month	$257
Florida	6-Month	$411
Arizona	Monthly	$43
Florida	Monthly	$68

Electing to carry full-coverage car insurance incurs further costs, but you'll get the added benefits of collision and comprehensive coverages, plus extras such as rental car reimbursement and roadside assistance. The primary benefit of full coverage 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, full coverage is recommended.

AUTO INSURANCE PREMIUMS — FULL COVERAGE IN ARIZONA vs. FLORIDA

Location	Period	Cost
Arizona	Annual	$1,263
Florida	Annual	$1,903
Arizona	6-Month	$632
Florida	6-Month	$951
Arizona	Monthly	$105
Florida	Monthly	$159

Affordable car insurance companies in Arizona and Florida

A major contributor to your car insurance costs is your choice of insurer. Insurers price premiums in a variety of ways, leading to substantial variations in pricing. Geography also comes into play: some regional companies only sell policies in a few states, while major insurance companies shift rates by state.

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

CHEAP AUTO INSURANCE COMPANIES IN ARIZONA

Company	Average Annual Rate
The Hartford	$536
SAFECO	$561
Auto-Owners	$906
Travelers	$1,097
USAA	$1,102

See other cheap auto insurance companies in Arizona.

AFFORDABLE CAR INSURANCE COMPANIES IN FLORIDA

Insurance Company	Average 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 Arizona and Florida

Although car insurance is regulated at the state level, insurance companies price rates by ZIP code to account for local factors like density and frequency of car crashes. The exact location to which you relocate will play a big part in deciding your rates.

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

AUTO INSURANCE COSTS BY CITY IN ARIZONA

City	Average Annual Rate
Phoenix	$1,243
Tucson	$1,083
Mesa	$1,136
Chandler	$1,104
Glendale	$1,202

Check out a more comprehensive list of car insurance rates in Arizona cities.

CAR INSURANCE PREMIUMS BY CITY IN FLORIDA

City	Average Annual Rate
Jacksonville	$2,000
Miami	$3,209
Tampa	$2,584
St. Petersburg	$2,241
Orlando	$2,049

Seeking data on another city? View other Florida cities.

More resources: relocating from Arizona to Florida

When relocating from Arizona to Florida, you’ll encounter new rules of the road, different FR-44 or SR-22 requirements, and more. Make sure your interstate move goes off without a hitch with our data on your new home:

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.

Car Insurance Comparison: Arizona vs. Florida

Ross Martin

Renata Balasco