If you're moving from Connecticut to Florida, you should consider the consequences for your car insurance.
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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:
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.
| State | Average Annual Rate |
| Connecticut | $1,809 |
| Florida | $1,819 |
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.
| 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.
| 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 |
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.
| 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.
| 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.
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.
| 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 here.
| 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 here.
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: