Car Insurance Comparison: Connecticut vs. Florida

If you're moving from Connecticut to Florida, you should consider the consequences for your car insurance.

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By Ross Martin
Updated May 23, 2022
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:


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

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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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About The Zebra

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