Car Insurance Comparison: Florida vs. Colorado

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

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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:

 

  1. Insurance rate comparison
  2. Insurance rates by coverage level
  3. Affordable companies by state
  4. Rates by city
  5. 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:

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.