If you're moving from New Jersey to Florida, consider updating your car insurance.
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:
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.
| State | Average Annual Rate |
| New Jersey | $1,850 |
| Florida | $1,819 |
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.
| 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.
| 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 |
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.
| 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.
| 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.
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.
| 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.
| 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.
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:
