If you're moving from Florida to Colorado, you should consider the consequences for your car insurance.
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:
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.
| State | Average Annual Premium |
| Florida | $1,819 |
| Colorado | $1,416 |
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.
| 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.
| 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 |
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.
| 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.
| 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.
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.
| City | Average Annual Rate |
| Jacksonville | $2,000 |
| Miami | $3,209 |
| Tampa | $2,584 |
| St. Petersburg | $2,241 |
| Orlando | $2,049 |
See a longer list of Florida cities here.
| 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 /a>.here.
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: