Car Insurance Comparison: New Jersey vs. Florida

If you're moving from New Jersey to Florida, consider updating your car insurance.

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By Ross Martin
Updated January 5, 2022
Edited By Kristine Lee

Comparing auto insurance in New Jersey and Florida

If you are planning to move from New Jersey to Florida, you’re probably focused on the primary concerns and expenses: tracking down a reliable long-distance moving service, locking down a house or apartment in your new state, and arranging your move across state lines.

With all of this going on, it’s easy to overlook the details. Car insurance is among the many details, but it's crucial. To stay on the right side of the law, plan to update your policy — or find a new insurer altogether — when you make the move.

Consult our guide to auto insurance in New Jersey versus Florida to take some of the complexity out of the moving process. We'll cover:


  1. Insurance rate comparison
  2. Rates by coverage level
  3. Affordable companies by state
  4. Rates by city
  5. Additional resources


New Jersey vs. Florida auto insurance — average prices

You should expect to pay less for car insurance in your new home. The typical annual car insurance rate in Florida is $31 less expensive than the average rate in New Jersey. The precise cost will depend on your coverage choice, insurance history, and your choice of car insurance company.


AUTO INSURANCE PREMIUMS IN NEW JERSEY VS. FLORIDA
State Average Annual Rate
New Jersey $1,850
Florida $1,819


Auto insurance premiums by coverage level

How much you pay for an auto insurance policy depends on how you use your vehicle and how much money you’re willing to dedicate to protecting your vehicle.

If you go with state minimum liability auto insurance coverage, you’ll most likely carry bodily injury, medical payment, and property damage liability coverages, along with uninsured/underinsured motorist coverage and personal injury protection (PIP) in some states.


CAR INSURANCE RATES — STATE MINIMUM COVERAGE IN NEW JERSEY vs. FLORIDA
State Time Period Premium
New Jersey Annual $881
Florida Annual $822
New Jersey 6-Month $440
Florida 6-Month $411
New Jersey Monthly $73
Florida Monthly $68


Choosing to carry full-coverage car insurance will cost more, but you’ll get the peace of mind that comes with collision and comprehensive coverages, as well as rental car reimbursement and roadside assistance. The primary benefit of full coverage car insurance is that it protects you and your car more comprehensively than does lower-level coverage. If you're ready to spend more to protect your investment, consider full coverage.


AUTO INSURANCE RATES — FULL COVERAGE IN NEW JERSEY vs. FLORIDA
Location Time Period Rate
New Jersey Annual $1,679
Florida Annual $1,903
New Jersey 6-Month $840
Florida 6-Month $951
New Jersey Monthly $140
Florida Monthly $159


Inexpensive auto insurance companies in New Jersey and Florida

One of the top contributing factors to auto insurance costs is the insurer you choose. Auto insurance companies price premiums in a variety of ways, leading to substantial variations in pricing. Location also plays a role: some insurance companies only sell policies within limited geographic windows, while bigger insurance companies' rates differ by state.

When swapping states, it's critical to find the best cheap auto insurance company in your new state. Get started below with our list of the five most affordable auto insurance companies in New Jersey and Florida.


CHEAP CAR INSURANCE COMPANIES IN NEW JERSEY
Insurance Company Average Annual Rate
21st Century $1,089
Travelers $1,168
New Jersey Manufacturers $1,284
Penn National $1,352
Palisades $1,368


See additional cheap auto insurance companies in New Jersey.


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


See more inexpensive auto insurance companies in Florida.


Car insurance rates by city in New Jersey and Florida

Though car insurance is legislated at the state level, insurance companies price rates by ZIP code to adjust for unique factors such as population density and number of insurance claims. The exact location to which you relocate will play a major role in deciding your auto insurance rates.

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


AUTO INSURANCE PRICES BY CITY IN NEW JERSEY
City Average Annual Rate
Newark $2,547
Jersey City $2,299
Paterson $2,424
Elizabeth $2,422
Toms River $1,708


Check out a longer list of insurance rates in New Jersey cities here.


CAR INSURANCE PRICES 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 auto insurance rates in other Florida cities here.


More resources: moving from New Jersey to Florida

When relocating from New Jersey to Florida, you'll face new rules of the road, different FR-44 or SR-22 requirements, and more. Make sure your move goes smoothly with our collection of information on your new state:

Related content

Ross Martin
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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