Is Car Insurance Cheaper in Florida or North Carolina?

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By Kristine Lee

Updated November 30, 2022

Edited By Renata Balasco

Comparing auto insurance in Florida and North Carolina

If you are planning to move from Florida to North Carolina, you might be considering the obvious concerns and expenses: finding a reliable moving company, finding an apartment or house in your new state, and arranging your move across state lines.

Amidst all this stress, it can be easy to forget the details. Car insurance coverage is often just an afterthought, but it's an important one. To find a good deal and stay street legal, plan to update your policy — or purchase a new policy — when you make the move.

Consult our guide to car insurance in Florida and North Carolina and make your interstate move painless. We'll cover the following:

Insurance rate comparison
Insurance rates by coverage level
Affordable companies by state
Rates in major cities
Additional resources

Florida vs. North Carolina car insurance — average rates

Expect to pay less for car insurance in North Carolina than you did in Florida. The typical annual car insurance rate in North Carolina is $901 less expensive than in Florida. The precise cost will depend on your coverage, driving history, and your auto insurance company.

CAR INSURANCE RATES IN FLORIDA VS. NORTH CAROLINA

State	Average Annual Rate
Florida	$1,819
North Carolina	$918

Average car insurance rates by coverage level

How much you spend on an auto policy depends on how you use your vehicle and what level of coverage you desire.

If you opt for state minimum liability coverage, you'll get bodily injury, property damage liability, and medical payment coverages, along with uninsured/underinsured motorist coverage and personal injury protection in some states.

AUTO INSURANCE PREMIUMS FOR BASIC LIABILITY COVERAGE IN FLORIDA vs. NORTH CAROLINA

State	Time Period	Cost
Florida	Annual	$822
North Carolina	Annual	$351
Florida	6-Month	$411
North Carolina	6-Month	$176
Florida	Monthly	$68
North Carolina	Monthly	$29

Choosing full-coverage auto insurance will raise your costs, but you’ll get the peace of mind that comes with collision and comprehensive coverages, as well as rental reimbursement and roadside assistance. The primary benefit of full coverage auto insurance is that it protects you and your car more comprehensively than does minimum liability coverage. If you're ready to spend more to protect your investment, consider bumping up your policy to full coverage.

CAR INSURANCE RATES FOR FULL COVERAGE IN FLORIDA vs. NORTH CAROLINA

Location	Duration	Cost
Florida	Annual	$1,903
North Carolina	Annual	$798
Florida	6-Month	$951
North Carolina	6-Month	$399
Florida	Monthly	$159
North Carolina	Monthly	$67

Cheap car insurance companies in Florida and North Carolina

One of the top contributing factors to car insurance costs is your choice of insurer. Insurance companies set premiums in a number of ways, resulting in major price variations. Location plays a role, too: some insurance companies only sell policies in certain states, while major insurance companies shift rates by state.

When moving, it's critical to find the best cheap insurance company selling policies in your new location. Get started below by viewing the five cheapest car insurance companies in Florida and North Carolina.

CHEAP CAR INSURANCE COMPANIES IN FLORIDA

Insurance 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 NORTH CAROLINA

Insurance Company	Average Annual Rate
Progressive	$645
Utica National	$649
Liberty Mutual	$714
NC Farm Bureau	$723
Penn National	$732

View other affordable auto insurance companies in North Carolina.

Car insurance rates by city in Florida and North Carolina

While car insurance is legislated by states, underwriters assign rates by ZIP code to adjust for unique factors such as density and the likelihood of a crash. The location to which you move will play a big part in deciding your car insurance rates.

Reference the below tables to see auto insurance rates in major cities in North Carolina 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 here.

AUTO INSURANCE PREMIUMS BY CITY IN NORTH CAROLINA

City	Average Annual Rate
Charlotte	$824
Raleigh	$752
Greensboro	$771
Winston Salem	$702
Durham	$781

Your new city not listed above? View more insurance rates for North Carolina cities here.

More resources: moving from Florida to North Carolina

When you relocate from Florida to North Carolina, you’ll encounter unfamiliar driving laws, different SR-22 or FR-44 requirements, and more. Make sure your interstate move goes smoothly with The Zebra's collection of information on your new home:

Car Insurance Comparison: Florida vs. North Carolina