Moving from Florida to Texas? You may need to update your car insurance.
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If you're relocating from Florida to Texas, you might be considering the major expenses and concerns: contracting a reliable long-distance moving company, locking down an abode in your new locale, and arranging your move across state lines.
Amid all the stress, it can be easy to overlook the details. Car insurance is just a detail, but it's a big one. To ensure you stay street legal and find a good deal, plan to update your policy — or find a new insurer altogether — when you move from one state to another.
Consult our guide to auto insurance in Florida versus Texas and learn what your next steps should be. We'll cover:
You should expect to pay more for car insurance in Texas than you did in Florida. The average annual auto insurance rate in Texas is $305 more costly than the average cost in Florida. The precise cost will depend on your coverage choice, insurance history, and your choice of car insurance company.
|State||Average Annual Premium|
How much you spend on an auto policy depends on your vehicle, your personal driving profile, and what degree of protection you want.
If you decide to go with state minimum liability auto insurance coverage, you'll carry bodily injury, medical payment, and property damage liability coverages, in addition to uninsured/underinsured motorist coverage and personal injury protection in certain states.
Electing full-coverage car insurance will certainly cost more, but you will receive comprehensive and collision coverage levels, as well as rental reimbursement and roadside assistance. The most notable benefit of full coverage car insurance is that it protects your vehicle and you more comprehensively than does minimum liability coverage. If you're ready to spend more to protect your investment in your vehicle, full coverage could be the way to go.
One of the top contributing factors to car insurance costs is your choice of car insurance company. Companies price rates in a variety of ways, resulting in major price variations. Your location also comes into play: some insurers only sell policies in a few states, while bigger insurance companies' rates differ by state.
When moving across state lines, it's critical to locate the best cheap car insurance company in your new state. Get your research started below with our list of the five cheapest auto insurance companies in Florida and Texas.
|Company||Average Annual Rate|
|Car Insurance Company||Average Annual Rate|
|Texas Farm Bureau||$1,223|
Though car insurance is regulated at the state level, insurers assign rates by ZIP code to account for local factors such as density and the likelihood of a crash. The location to which you move plays a big part in deciding your auto insurance rates.
View the below tables to see auto insurance rates in major cities in Texas and Florida.
|City||Average Annual Rate|
View a more comprehensive list of Florida cities here.
|City||Average Annual Rate|
Looking for a different city? View other Texas cities here.
When moving from Florida to Texas, you will encounter a new set of driving laws, potentially different SR-22 rules, and more. Make sure your move is problem-free with The Zebra's collection of information on your new state:
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.