Is Car Insurance Cheaper in Michigan or Florida?

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By Ross Martin

Updated December 9, 2024

Edited By Renata Balasco

Comparing auto insurance in Michigan and Florida

If you are plotting a move from Michigan to Florida, you’re probably focused on the obvious expenses and concerns: locating a trustworthy moving company, finding an abode in your new state, and physically moving across state lines.

Amid all the stress, it's easy to overlook some details. Auto insurance is just a detail, but it’s critical. To ensure you stay street legal and find a good deal, you’ll need to update your insurance policy — or purchase a new policy — when you move from one state to another.

Read our guide to auto insurance in Michigan versus Florida and make your move painless. We'll cover the following:

Insurance cost comparison
Insurance rates by coverage level
Affordable companies by state
Rates in major cities
Additional resources

Michigan vs. Florida car insurance — average premiums

You should expect to pay less for auto insurance once you move. The usual annual car insurance rate in Florida is $875 more affordable than the typical cost of car insurance in Michigan. The precise cost will depend on your coverage choice, driving history, and your car insurance company.

AUTO INSURANCE RATES IN MICHIGAN VS. FLORIDA

Location	Average Annual Cost
Michigan	$2,694
Florida	$1,819

Auto insurance premiums by coverage tier

How much you pay for an auto insurance policy depends on your chosen coverage level and how much protection you want.

If you decide to go with state minimum liability car insurance coverage, you will most likely carry bodily injury, medical payment, and property damage liability coverages, in addition to uninsured/underinsured motorist coverage and personal injury protection in certain states.

AUTO INSURANCE RATES FOR MINIMUM LIABILITY COVERAGE IN MICHIGAN vs. FLORIDA

State	Duration	Premium
Michigan	Annual	$1,368
Florida	Annual	$822
Michigan	6-Month	$684
Florida	6-Month	$411
Michigan	Monthly	$114
Florida	Monthly	$68

Electing to carry full-coverage auto insurance will cost more each month, but you'll receive collision and comprehensive coverages, along with rental reimbursement and roadside assistance protection. The chief benefit of full coverage car insurance is that it protects your vehicle and you more comprehensively than does lower-level coverage. If you're ready to spend more to protect your investment, full coverage is recommended.

CAR INSURANCE RATES — FULL COVERAGE IN MICHIGAN vs. FLORIDA

State	Duration	Rate
Michigan	Annual	$2,336
Florida	Annual	$1,903
Michigan	6-Month	$1,168
Florida	6-Month	$951
Michigan	Monthly	$195
Florida	Monthly	$159

Cheap car insurance companies in Michigan and Florida

A major contributor to your car insurance costs is the auto insurance company you choose. Companies assign premiums in a variety of ways, resulting in substantial variations in pricing. Geography also comes into play: some insurers sell policies only in certain places, while bigger insurance companies' rates differ by state.

When moving to a new state, you should try to find the best cheap auto insurance company offering policies in your new state. Get started below by viewing the five cheapest car insurance companies in Michigan and Florida.

AFFORDABLE CAR INSURANCE COMPANIES IN MICHIGAN

Insurer	Average Annual Rate
SAFECO	$368
USAA	$968
GEICO	$1,013
MetLife	$1,337
Chubb	$1,400

See additional cheap auto insurance companies in Michigan.

AFFORDABLE CAR INSURANCE COMPANIES IN FLORIDA

Insurance Company	Average Annual Rate
USAA	$760
Travelers	$1,073
Nationwide	$1,267
Atlantic States	$1,305
Cal Casualty	$1,319

View other inexpensive auto insurance companies in Florida.

Car insurance rates by city in Michigan and Florida

Although car insurance is legislated on a state-by-state level, underwriters price rates by ZIP code to account for unique factors such as density and the likelihood of a crash. The exact location to which you relocate plays a big part in deciding how much you pay for auto insurance.

View the below tables to see auto insurance rates in major cities in Florida and Michigan.

CAR INSURANCE COSTS BY CITY IN MICHIGAN

City	Average Annual Rate
Detroit	$4,911
Grand Rapids	$2,230
Warren	$3,356
Sterling Heights	$2,984
Lansing	$2,415

Check out a more comprehensive list of Michigan cities.

CAR 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 info on another city? View other Florida cities.

More information on relocating from Michigan to Florida

When moving from Michigan to Florida, you will encounter a new set of driving laws, potentially different SR-22 rules, and more. Ensure your interstate move is seamless with The Zebra's data 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: Michigan vs. Florida

Ross Martin

Renata Balasco