Car Insurance Comparison: Massachusetts vs. Florida

Planning a move from Massachusetts to Florida? Remember to update your car insurance.

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By Ross Martin
Updated May 13, 2022
Edited By Renata Balasco

Comparing auto insurance in Massachusetts and Florida

If you’re moving from Massachusetts to Florida, you may be focusing on the high-level concerns and expenses: tracking down a reliable moving service, securing a new apartment or house in your new city, and setting your move-in schedule.

With so many moving parts, it can be easy to overlook the details. Car insurance coverage is one of these details, but it’s critical. To stay street legal and find a good deal, you should plan to update your policy — or find a new one — when you make the move.

Consult our guide to auto insurance in Massachusetts versus Florida and make your move painless. We'll cover:


  1. Insurance rate comparison
  2. Rates by coverage level
  3. Cheap companies by state
  4. Rates by city
  5. Additional resources


Massachusetts vs. Florida car insurance — average rates

Expect to pay more for auto insurance once you relocate. The average annual auto insurance rate in Florida is $372 more expensive than the average rate in Massachusetts. The precise cost will depend on your coverage choice, insurance history, and your choice of insurer.


AUTO INSURANCE RATES IN MASSACHUSETTS VS. FLORIDA
State Average Annual Rate
Massachusetts $1,448
Florida $1,819


Auto insurance costs by coverage level

How much you shell out for auto insurance depends on your chosen coverage level and what degree of protection you want your insurer to provide.

If you elect your state's minimum liability coverage, you'll have bodily injury, medical payment, and property damage liability coverages, in addition to uninsured and underinsured motorist coverage and personal injury protection (PIP) in certain states.


CAR INSURANCE PREMIUMS FOR MINIMUM COVERAGE IN MASSACHUSETTS vs. FLORIDA
State Period Rate
Massachusetts Annual $484
Florida Annual $822
Massachusetts 6-Month $242
Florida 6-Month $411
Massachusetts Monthly $40
Florida Monthly $68


Upgrading to full-coverage car insurance will cost substantially more, but you'll receive collision and comprehensive coverages, plus such perks as rental reimbursement and roadside assistance protection. The primary benefit of full coverage auto insurance is that it insures your vehicle and you more completely than does lower-level coverage. If you're motivated to protect your investment in your vehicle, consider bumping up your policy to full coverage.


CAR INSURANCE PREMIUMS FOR FULL COVERAGE IN MASSACHUSETTS vs. FLORIDA
State Duration Premium
Massachusetts Annual $1,269
Florida Annual $1,903
Massachusetts 6-Month $634
Florida 6-Month $951
Massachusetts Monthly $106
Florida Monthly $159


Affordable auto insurance companies in Massachusetts and Florida

A major contributor to your car insurance costs is your choice of insurer. Car insurance companies price premiums in a number of ways, leading to substantial variations in pricing. Your location also plays a role: some regional underwriters only sell policies within limited geographic windows, while major insurers’ rates may vary by state.

When moving to a new state, it’s important to find the best cheap auto insurance company offering policies in your new location. Get started below by viewing the five most affordable car insurance companies in Massachusetts and Florida.


AFFORDABLE CAR INSURANCE COMPANIES IN MASSACHUSETTS
Insurance Company Average Annual Rate
State Farm $726
Grange $815
GEICO $859
Commerce $893
OneBeacon $894


See additional affordable auto insurance companies in Massachusetts.


AFFORDABLE CAR INSURANCE COMPANIES IN FLORIDA
Insurer Average Annual Rate
USAA $760
Travelers $1,073
Nationwide $1,267
Atlantic States $1,305
Cal Casualty $1,319


View other cheap auto insurance companies in Florida.


Car insurance rates by city in Massachusetts and Florida

Although car insurance is legislated by states, insurance companies assign rates by ZIP code to account for local factors like density and frequency of car crashes. The location to which you relocate plays a big part in deciding your auto insurance rates.

See below car insurance rates in major cities in Florida and Massachusetts.


AUTO INSURANCE COSTS BY CITY IN MASSACHUSETTS
City Average Annual Rate
Boston $1,770
Worcester $1,712
Springfield $1,889
Lowell $1,542
Cambridge $1,476


Check out a more comprehensive list of car insurance rates in Massachusetts cities here.


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


Looking for another city's data? View rates in smaller Florida cities here.


More information on moving from Massachusetts to Florida

When relocating from Massachusetts to Florida, you will encounter unfamiliar driving laws, different SR-22 or FR-44 requirements, and more. Ensure your interstate move is as easy as possible with our collection of information on your new state:

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple Dollar, The Balance, Car and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance. 

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