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
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:
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