If you're moving from Illinois to Florida, consider updating your car insurance.
Why you can trust The Zebra
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:
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.
|State||Average Annual Cost|
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.
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.
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.
|Company||Average Annual Rate|
|Insurer||Average Annual Rate|
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.
|City||Average Annual Rate|
|Naperville, IL Car Insurance||$1,032|
View a more comprehensive list of car insurance rates in Illinois cities here.
|City||Average Annual Rate|
Looking for rates in another city? View rates in other Florida cities here.
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:
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.