If you're moving from Florida to California, consider updating your car insurance.
If you're planning an interstate move from Florida to California, you are probably focused on the obvious concerns and expenses: locating a reliable moving service, finding a new apartment or house in your new state, and arranging your interstate move.
With so many moving parts, it's easy to overlook some details. Auto insurance is among the many details, but it's an important one. To abide by state laws and save money, plan to update your policy — or purchase a new policy — when you make the move.
Read our guide to car insurance in Florida versus California and make your move painless. We'll cover the following topics:
You should expect to pay less for auto insurance once you move. The typical annual auto insurance rate in California is $113 less expensive than the average cost in Florida. The precise cost will depend on your coverage, driving history, and your auto insurance company.
| State | Average Annual Cost |
| Florida | $1,819 |
| California | $1,707 |
The cost of your an auto policy depends on how you use your vehicle and what level of coverage you want.
If you elect your state's minimum coverage, you will carry bodily injury, property damage liability, and medical payment coverages, in addition to underinsured and uninsured motorist coverage and personal injury protection in some states.
| Location | Period | Cost |
| Florida | Annual | $822 |
| California | Annual | $573 |
| Florida | 6-Month | $411 |
| California | 6-Month | $286 |
| Florida | Monthly | $68 |
| California | Monthly | $48 |
Electing full-coverage car insurance will cost more each month, but you'll get the added benefits of collision and comprehensive coverage levels, plus rental car reimbursement and roadside assistance. The chief benefit of full coverage auto insurance is that it protects you and your car more comprehensively than does minimum liability coverage. If you want to go the extra mile to protect your vehicle, consider bumping up your policy to full coverage.
| State | Duration | Cost |
| Florida | Annual | $1,903 |
| California | Annual | $1,626 |
| Florida | 6-Month | $951 |
| California | 6-Month | $813 |
| Florida | Monthly | $159 |
| California | Monthly | $135 |
A major determinant of your car insurance costs is your choice of car insurance company. Insurers set rates in a variety of ways, leading to substantial variations in pricing. Location matters, too: some regional insurance companies only sell policies in certain states, while bigger insurance companies' rates differ by state.
When moving to a new state, it's critical to find the best cheap car insurance company in your new location. Get started below by viewing the five most affordable auto insurance companies in Florida and California.
| Car Insurance Company | Average Annual Rate |
| USAA | $760 |
| Travelers | $1,073 |
| Nationwide | $1,267 |
| Atlantic States | $1,305 |
| Cal Casualty | $1,319 |
See additional cheap auto insurance companies in Florida.
| Insurance Company | Average Annual Rate |
| USAA | $1,132 |
| Wawanesa | $1,169 |
| Century National | $1,202 |
| CSAA | $1,210 |
| Nationwide | $1,238 |
View other affordable auto insurance companies in California.
While car insurance is regulated on a state-by-state level, insurance companies price rates by ZIP code to adjust for local factors such as density and the likelihood of a crash. The location to which you relocate plays a major role in deciding how much you pay for auto insurance.
Reference the below tables to see auto insurance rates in major cities in California and Florida.
| City | Average Annual Rate |
| Jacksonville | $2,000 |
| Miami | $3,209 |
| Tampa | $2,584 |
| St. Petersburg | $2,241 |
| Orlando | $2,049 |
Check out a more comprehensive list of car insurance rates in Florida cities here.
| City | Average Annual Rate |
| Los Angeles | $2,125 |
| San Diego | $1,354 |
| San Jose | $1,409 |
| San Francisco | $1,728 |
| Fresno | $1,487 |
Looking for rates in another city? View car insurance rates in other California cities here.
When relocating from Florida to California, you’ll encounter a new set of driving laws, potentially different SR-22 rules, and more. Make sure your interstate move is problem-free with our data on your new state: