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:
Find an insurance policy today!
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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.