Car Insurance Comparison: Michigan vs. Florida

If you're moving from Michigan to Florida, consider the consequences for your car insurance.

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By Ross Martin
Updated May 22, 2022
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:


  1. Insurance cost comparison
  2. Insurance rates by coverage level
  3. Affordable companies by state
  4. Rates in major cities
  5. 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 here.


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 here.


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:

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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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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.

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