Car Insurance Comparison: Florida vs. Georgia

If you're moving from Florida to Georgia, consider updating your car insurance.

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By Kristine Lee
Updated June 26, 2022
Edited By Ross Martin

Comparing auto insurance in Florida and Georgia

If you're planning an interstate move from Florida to Georgia, you may be assessing the major concerns and expenses: finding a reliable long-haul moving service, locking down a new apartment or house in your new locale, and physically moving across state lines.

With all these moving parts, it's easy to overlook some details. Car insurance is often treated as a detail, but it's a big one. To ensure you stay street legal and find a good deal, you should plan to update your policy — or find a new policy altogether — when you move between states.

Check out our guide to auto insurance in Florida versus Georgia and take the strain out of your move. We'll cover the following topics:


  1. Insurance rate comparison
  2. Insurance rates by coverage level
  3. Affordable companies by state
  4. Rates in major cities
  5. Additional resources


Florida vs. Georgia car insurance — average rates

You should expect to pay less for auto insurance in Georgia than you did in Florida. The usual annual car insurance rate in Georgia is $364 less expensive than the average cost in Florida. The exact cost will vary, depending on your coverage, driving and insurance history, and your auto insurance company.


CAR INSURANCE PREMIUMS IN FLORIDA VS. GEORGIA
State Average Annual Rate
Florida $1,819
Georgia $1,455


Car insurance premiums by coverage level

How much you shell out for auto insurance depends on how you use your vehicle and what level of coverage you desire.

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


CAR INSURANCE RATES — MINIMUM COVERAGE IN FLORIDA vs. GEORGIA
State Duration Premium
Florida Annual $822
Georgia Annual $548
Florida 6-Month $411
Georgia 6-Month $274
Florida Monthly $68
Georgia Monthly $46


Upgrading to full-coverage car insurance will raise your rates, but you'll get the added benefits of comprehensive and collision coverages, plus perks like rental reimbursement and roadside assistance. The primary pro of full coverage is that it insures your vehicle and you better than does basic car insurance coverage. If you want to go the extra mile to protect your investment, full coverage could be the way to go.


CAR INSURANCE PREMIUMS — FULL COVERAGE IN FLORIDA vs. GEORGIA
Location Duration Premium
Florida Annual $1,903
Georgia Annual $1,321
Florida 6-Month $951
Georgia 6-Month $661
Florida Monthly $159
Georgia Monthly $110


Cheap car insurance companies in Florida and Georgia

A major determinant of your car insurance costs is your choice of car insurance company. Companies set premiums in a variety of ways, resulting in substantial variations in pricing. Your location also matters: some regional insurance companies only sell policies in certain states, while major insurers’ rates may vary by state.

When moving, it’s important to find the best cheap car insurance company offering policies in your new location. Get started below with our list of the five cheapest auto insurance companies in Florida and Georgia.


CHEAP 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 cheap auto insurance companies in Florida.


AFFORDABLE CAR INSURANCE COMPANIES IN GEORGIA
Insurance Company Average Annual Rate
Auto-Owners $847
The Hartford $904
USAA $988
Central Mutual $1,181
MetLife $1,251


View other cheap auto insurance companies in Georgia.


Car insurance rates by city in Florida and Georgia

While car insurance is regulated by states, insurers price rates by ZIP code to adjust for location-specific factors such as population density and number of insurance claims. The specific location to which you relocate plays a big part in deciding your premiums.

Reference the below tables to see auto insurance rates in major cities in Georgia and Florida.


AUTO INSURANCE RATES 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 a longer list of insurance rates in Florida cities.


AUTO INSURANCE PREMIUMS BY CITY IN GEORGIA
City Average Annual Premium
Atlanta $1,391
Columbus $1,231
Savannah $1,215
Sandy Springs $1,255
Macon $1,266


Looking for a different city? View other Georgia cities.


More information on relocating from Florida to Georgia

When you relocate from Florida to Georgia, you will face new rules of the road, different SR-22 or FR-44 requirements, and more. Make sure your interstate move goes smoothly with our data on your new home:

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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.

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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.