Is Car Insurance Cheaper in Florida or Texas?

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By Ross Martin

Updated September 11, 2024

Edited By Kristine Lee

Comparing auto insurance in Florida and Texas

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:

Insurance cost comparison
Insurance rates by coverage level
Cheap companies by state
Rates in major cities
Additional resources

Florida vs. Texas auto insurance — average prices

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.

CAR INSURANCE RATES IN FLORIDA VS. TEXAS

State	Average Annual Premium
Florida	$1,819
Texas	$2,125

Average car insurance rates by coverage level

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.

CAR INSURANCE PREMIUMS — STATE MINIMUM COVERAGE IN FLORIDA vs. TEXAS

Location	Period	Rate
Florida	Annual	$822
Texas	Annual	$782
Florida	6-Month	$411
Texas	6-Month	$391
Florida	Monthly	$68
Texas	Monthly	$65

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.

AUTO INSURANCE PREMIUMS FOR FULL COVERAGE IN FLORIDA vs. TEXAS

State	Time Period	Rate
Florida	Annual	$1,903
Texas	Annual	$2,120
Florida	6-Month	$951
Texas	6-Month	$1,060
Florida	Monthly	$159
Texas	Monthly	$177

Affordable car insurance companies in Florida and Texas

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.

AFFORDABLE 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 affordable auto insurance companies in Florida.

CHEAP CAR INSURANCE COMPANIES IN TEXAS

Car Insurance Company	Average Annual Rate
Travelers	$1,031
USAA	$1,106
Texas Farm Bureau	$1,223
Germania Mutual	$1,269
Esurance	$1,393

View more cheap auto insurance companies in Texas.

Car insurance rates by city in Florida and Texas

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.

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

View a more comprehensive list of Florida cities.

AUTO INSURANCE RATES BY CITY IN TEXAS

City	Average Annual Rate
Houston	$1,872
San Antonio	$1,705
Dallas	$1,874
Austin	$1,643
Fort Worth	$1,637

Looking for a different city? View other Texas cities.

Additional resources: moving from Florida to Texas

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:

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 editorial 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.

Car Insurance Comparison: Florida vs. Texas

Ross Martin

Kristine Lee