Planning a move from Massachusetts to Florida? Remember to update your car insurance.
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:
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.
| State | Average Annual Rate |
| Massachusetts | $1,448 |
| Florida | $1,819 |
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.
| 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.
| 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 |
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.
| Insurance Company | Average Annual Rate |
| State Farm | $726 |
| Grange | $815 |
| GEICO | $859 |
| Commerce | $893 |
| OneBeacon | $894 |
See additional affordable auto insurance companies in Massachusetts.
| 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.
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.
| 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.
| 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.
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:
