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Comparing auto insurance in Illinois and Florida
If you are plotting a move from Illinois to Florida, chances are you're focusing on the obvious expenses and concerns: contracting a reliable long-distance moving company, finding somewhere to live in your new state, and physically moving across state lines.
Amidst the stress of a big move, it's easy to overlook some details. Auto insurance is among the many details, but it's crucial. In order to stay legal and find a good deal, you’ll need to update your insurance policy — or find a new insurer altogether — when you move.
Consult our guide to car insurance in Illinois and Florida and make your move painless. We'll cover the following:
- Insurance rate comparison
- Rates by coverage level
- Affordable companies by state
- Rates in major cities
- Additional resources
Is car insurance cheaper in Illinois or Florida?
Expect to pay more for auto insurance in your new home. The typical annual car insurance rate in Florida is $549 pricier than the average rate in Illinois. The precise cost will depend on your coverage choice, insurance history, and your choice of insurance company.
CAR INSURANCE PREMIUMS IN ILLINOIS VS. FLORIDA
|State||Average Annual Cost|
Average car insurance costs by coverage level
The cost of an auto insurance policy depends on how you use your vehicle and how much protection you want from your policy.
If you elect your state's minimum coverage, you will carry bodily injury, property damage liability, and medical payment coverages, in addition to uninsured and underinsured motorist coverage and personal injury protection (PIP) in certain states.
AUTO INSURANCE PREMIUMS — MINIMUM LIABILITY COVERAGE IN ILLINOIS vs. FLORIDA
Choosing to carry full-coverage auto insurance will raise your premiums, but you'll get the added protection of collision and comprehensive coverages, as well as perks like rental reimbursement and roadside assistance. The chief pro of full coverage car insurance is that it protects your vehicle and you more comprehensively than does basic car insurance coverage. If you want to go the extra mile to protect your investment in your vehicle, full coverage is recommended.
AUTO INSURANCE RATES — FULL COVERAGE IN ILLINOIS vs. FLORIDA
Cheap auto insurance companies in Illinois and Florida
A primary determinant of your car insurance costs is your choice of auto insurance company. Car insurance companies price premiums in a number of ways, resulting in substantial variations in pricing. Geography also plays a role: some regional companies only sell policies in a few states, while major insurers' rates change by state.
When moving, you should look to find the best cheap insurance company in your new location. Get started below by viewing the five most affordable auto insurance companies in Illinois and Florida.
AFFORDABLE AUTO INSURANCE COMPANIES IN ILLINOIS
|Company||Average Annual Rate|
CHEAP CAR INSURANCE COMPANIES IN FLORIDA
|Insurer||Average Annual Rate|
Car insurance rates by city in Illinois and Florida
Although car insurance is regulated by states, underwriters price rates by ZIP code to adjust for location-specific factors such as density and the likelihood of a crash. The location to which you relocate plays a big part in deciding your premiums.
The below tables show auto insurance rates in major cities in Florida and Illinois.
AUTO INSURANCE PRICES BY CITY IN ILLINOIS
|City||Average Annual Rate|
|Naperville, IL Car Insurance||$1,032|
View a more comprehensive list of car insurance rates in Illinois cities here.
CAR INSURANCE PREMIUMS BY CITY IN FLORIDA
|City||Average Annual Rate|
Looking for rates in another city? View rates in other Florida cities here.
More information on moving from Illinois to Florida
When you move from Illinois to Florida, you will face a new set of driving laws, potentially different SR-22 rules, and more. Ensure your move is as easy as possible with our collection of information on your new home:
- Texas vs. New Jersey State Comparison
- Florida vs. Georgia State Comparison
- Florida vs. California State Comparison
- New York vs. California State Comparison
- California vs. Idaho State Comparison
- Massachusetts vs. California State Comparison
- Florida vs. North Carolina State Comparison
- New York vs. Texas State Comparison
- Kentucky vs. California State Comparison
- New Jersey vs. North Carolina State Comparison
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.