Car Insurance Comparison: Arizona vs. Florida

Planning a move from Arizona to Florida? Remember to update your car insurance.

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By Ross Martin
Updated May 22, 2022
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:


  1. Insurance cost comparison
  2. Rates by coverage level
  3. Affordable companies by state
  4. Rates by city
  5. 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:

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple Dollar, The Balance, Car and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance. 

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