If you're moving from Michigan to Florida, consider the consequences for your car insurance.
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:
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.
| Location | Average Annual Cost |
| Michigan | $2,694 |
| Florida | $1,819 |
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.
| 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.
| 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 |
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.
| 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.
| 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.
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.
| 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.
| 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.
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:
