Is Car Insurance Cheaper in Connecticut or Florida?

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By Ross Martin

Updated September 11, 2024

Edited By Renata Balasco

Comparing auto insurance in Connecticut and Florida

If you are relocating from Connecticut to Florida, chances are you're considering the major expenses and concerns: locating a reliable long-distance moving company, locking down an abode in your new locale, and physically moving across state lines.

Amidst all this stress, it can be easy to forget the details. Auto insurance coverage is among the many details, but it's an important one. To remain on the right side of the law, you’ll need to update your policy — or find a new insurer altogether — when you move.

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

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

Is car insurance cheaper in Connecticut or Florida?

Expect to pay more for auto insurance in your new home. The average annual auto insurance rate in Florida is $10 more expensive than in Connecticut. The precise cost will depend on your coverage choice, driving history, and your car insurance company.

AUTO INSURANCE RATES IN CONNECTICUT VS. FLORIDA

State	Average Annual Rate
Connecticut	$1,809
Florida	$1,819

Auto insurance rates by coverage level

How much you spend on car insurance coverage depends on how you use your vehicle and how much protection you want.

If you decide to go with your state's minimum liability auto insurance coverage, you'll get medical payment, bodily injury, and property damage liability coverages, plus underinsured and uninsured motorist coverage and personal injury protection (PIP) in some states.

AUTO INSURANCE RATES FOR MINIMUM LIABILITY COVERAGE IN CONNECTICUT vs. FLORIDA

State	Period	Premium
Connecticut	Annual	$643
Florida	Annual	$822
Connecticut	6-Month	$321
Florida	6-Month	$411
Connecticut	Monthly	$54
Florida	Monthly	$68

Electing full-coverage auto insurance will cost substantially more, but you will receive collision and comprehensive coverages, along with extras like rental reimbursement and roadside assistance protection. The primary benefit of full coverage is that it insures you and your vehicle more completely than does basic car insurance coverage. If you're motivated to protect your investment in your vehicle, full coverage is recommended.

AUTO INSURANCE PREMIUMS — FULL COVERAGE IN CONNECTICUT vs. FLORIDA

State	Duration	Cost
Connecticut	Annual	$1,453
Florida	Annual	$1,903
Connecticut	6-Month	$726
Florida	6-Month	$951
Connecticut	Monthly	$121
Florida	Monthly	$159

Cheap car insurance companies in Connecticut and Florida

A primary determinant of your car insurance costs is the insurer you choose. Underwriters set premiums in a variety of ways, resulting in major price variations. Location also comes into play: some car insurance companies sell policies only in certain places, while major insurers' rates change by state.

When moving across state lines, it's critical to find the best cheap auto insurance company selling policies in your new location. Get your research started below by viewing the five cheapest car insurance companies in Connecticut and Florida.

CHEAP CAR INSURANCE COMPANIES IN CONNECTICUT

Insurer	Average Annual Rate
Utica National	$784
Travelers	$1,148
Amica	$1,232
USAA	$1,246
Nationwide	$1,411

See other cheap auto insurance companies in Connecticut.

CHEAP CAR INSURANCE COMPANIES IN FLORIDA

Company	Average Annual Rate
USAA	$760
Travelers	$1,073
Nationwide	$1,267
Atlantic States	$1,305
Cal Casualty	$1,319

View more inexpensive auto insurance companies in Florida.

Car insurance rates by city in Connecticut and Florida

Although car insurance is regulated at the state level, insurance companies price rates by ZIP code to adjust for unique factors such as density and the likelihood of a crash. The exact location to which you relocate will play a major role in deciding your premiums.

See below auto insurance rates in major cities in Florida and Connecticut.

AUTO INSURANCE COSTS BY CITY IN CONNECTICUT

City	Average Annual Rate
Bridgeport	$2,007
New Haven	$2,018
Hartford	$2,044
Stamford	$1,649
Waterbury	$1,927

See a more comprehensive list of Connecticut 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

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

More information on relocating from Connecticut to Florida

When moving from Connecticut to Florida, you will encounter a new set of driving laws, different FR-44 or SR-22 requirements, and more. Make sure your move is seamless with The Zebra's 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: Connecticut vs. Florida

Ross Martin

Renata Balasco