Is Car Insurance Cheaper in Massachusetts or Florida?

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By Ross Martin

Updated February 4, 2025

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:

Insurance rate comparison
Rates by coverage level
Cheap companies by state
Rates by city
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.

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.

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:

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: Massachusetts vs. Florida

Ross Martin

Renata Balasco