Is Car Insurance Cheaper in Florida or Colorado?

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By Kristine Lee

Updated September 22, 2023

Edited By Ross Martin

Comparing auto insurance in Florida and Colorado

If you are moving from Florida to Colorado, you’re probably focusing on the obvious concerns and expenses: finding a dependable long-distance moving service, finding a new apartment or house in your new city, and arranging your interstate move.

Amidst the stress of a move, it's easy to overlook some details. Auto insurance is among the many details, but it's important. In order to stay legal and find a good deal, you should plan to update your policy — or find a new insurer altogether — when you move.

Check out our guide to auto insurance in Florida vs. Colorado to streamline your move. We'll cover the following:

Insurance rate comparison
Insurance rates by coverage level
Affordable companies by state
Rates by city
Additional resources

Florida vs. Colorado car insurance — average rates

You should expect to pay less for auto insurance once you relocate. The average annual auto insurance rate in Colorado is $404 less expensive than the average rate in Florida. The exact cost will depend on your coverage level, driving and insurance history, and your auto insurance company.

AUTO INSURANCE PREMIUMS IN FLORIDA VS. COLORADO

State	Average Annual Premium
Florida	$1,819
Colorado	$1,416

Average car insurance premiums by coverage level

The cost of your car insurance coverage depends on how you use your vehicle and what degree of protection you want your insurer to provide.

If you decide to go with state minimum liability auto insurance coverage, you will have bodily injury, medical payment, and property damage liability coverages, in addition to uninsured and underinsured driver coverage and personal injury protection (PIP) in some states.

AUTO INSURANCE PREMIUMS — MINIMUM COVERAGE IN FLORIDA vs. COLORADO

State	Time Period	Cost
Florida	Annual	$822
Colorado	Annual	$521
Florida	6-Month	$411
Colorado	6-Month	$260
Florida	Monthly	$68
Colorado	Monthly	$43

Choosing to carry full-coverage auto insurance incurs additional costs, but you'll receive collision and comprehensive coverage levels, plus extras such as rental car reimbursement and roadside assistance protection. The primary benefit of full coverage auto insurance is that it covers your vehicle and you more comprehensively than does minimum liability coverage. If you're motivated to protect your investment in your vehicle, full coverage could be the way to go.

AUTO INSURANCE PREMIUMS FOR FULL COVERAGE IN FLORIDA vs. COLORADO

State	Period	Premium
Florida	Annual	$1,903
Colorado	Annual	$1,406
Florida	6-Month	$951
Colorado	6-Month	$703
Florida	Monthly	$159
Colorado	Monthly	$117

Affordable car insurance companies in Florida and Colorado

A major determinant of your auto insurance costs is the insurer you choose. Car insurance companies set rates in a variety of ways, leading to substantial variations in pricing. Geography also comes into play: some insurers have limited geographic range, while major insurance companies shift rates by state.

When swapping states, you should look to find the best cheap insurance company offering policies in your new state. Get your research started below with our list of the five most affordable auto insurance companies in Florida and Colorado.

AFFORDABLE 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

See other affordable auto insurance companies in Florida.

AFFORDABLE CAR INSURANCE COMPANIES IN COLORADO

Car Insurance Company	Average Annual Rate
The Hartford	$842
Grange	$968
USAA	$1,019
Nationwide	$1,132
GEICO	$1,164

See more cheap auto insurance companies in Colorado.

Car insurance rates by city in Florida and Colorado

While car insurance is regulated at the state level, insurance companies assign rates by ZIP code to account for local factors such as density and the likelihood of a crash. The specific location to which you move plays a big part in deciding how much you pay for auto insurance.

View the below tables to see car insurance rates in major cities in Colorado and Florida.

CAR INSURANCE PRICES BY CITY IN FLORIDA

City	Average Annual Rate
Jacksonville	$2,000
Miami	$3,209
Tampa	$2,584
St. Petersburg	$2,241
Orlando	$2,049

See our longer list of Florida cities for more information.

CAR INSURANCE PREMIUMS BY CITY IN COLORADO

City	Average Annual Rate
Denver	$1,411
Colorado Springs	$1,303
Aurora	$1,389
Fort Collins	$1,078
Lakewood	$1,351

Seeking data on another city? View car insurance rates in other Colorado cities.

More resources: moving from Florida to Colorado

When moving from Florida to Colorado, you will encounter new driving laws, potentially different SR-22 rules, and more. Ensure your move goes off without a hitch with our data on your new state:

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 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: Florida vs. Colorado

Kristine Lee

Ross Martin