If you're moving from Florida to Georgia, consider updating your car insurance.
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:
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.
| State | Average Annual Rate |
| Florida | $1,819 |
| Georgia | $1,455 |
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.
| 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.
| 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 |
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.
| 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.
| 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.
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.
| 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 here.
| 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 here.
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:
