Planning a move from Arizona to Florida? Remember to update your car insurance.
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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:
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.
| State | Average Annual Rate |
| Arizona | $1,357 |
| Florida | $1,819 |
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.
| 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.
| 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 |
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.
| 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.
| 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.
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.
| 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 here.
| 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 here.
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: