Comparing auto insurance in New York and Florida
If you're planning an interstate move from New York to Florida, you might be fixated on the major expenses and concerns: finding a reliable moving company, securing a new apartment or house in your new state, and arranging your interstate move.
With so many moving parts, it can be easy to forget the details. Car insurance is just a detail, but it's important. To stay street legal and find cheap rates, you’ll need to update your policy — or find a new one — when you move between states.
Consult our guide to car insurance in New York and Florida to take some of the complexity out of the moving process. We'll cover:
- Insurance rate comparison
- Rates by coverage level
- Cheap companies by state
- Rates by city
- Additional resources
New York vs. Florida car insurance — average prices
You should expect to pay less for car insurance in your new state. The usual annual car insurance rate in Florida is $369 less expensive than the average expense in New York. The precise cost will depend on your coverage choice, insurance history, and your choice of insurer.
AUTO INSURANCE RATES IN NEW YORK VS. FLORIDA
| State | Average Annual Price |
| New York | $2,188 |
| Florida | $1,819 |
Average car insurance premiums by coverage level
How much you spend on car insurance depends on how you use your vehicle and how much protection you want.
If you go with state minimum coverage, you will have bodily injury, property damage liability, and medical payment coverages, plus underinsured and uninsured motorist coverage and personal injury protection (PIP) in certain states.
CAR INSURANCE RATES — BASIC LIABILITY COVERAGE IN NEW YORK vs. FLORIDA
| Location | Period | Premium |
| New York | Annual | $887 |
| Florida | Annual | $822 |
| New York | 6-Month | $443 |
| Florida | 6-Month | $411 |
| New York | Monthly | $74 |
| Florida | Monthly | $68 |
Upgrading to full-coverage car insurance will cost substantially more, but you'll get the added protection of collision and comprehensive coverages, plus rental reimbursement and roadside assistance. The primary benefit of full coverage car insurance is that it protects your vehicle and you better than does lower-level coverage. If you're ready to spend more to protect your investment, full coverage could be the way to go.
CAR INSURANCE RATES FOR FULL COVERAGE IN NEW YORK vs. FLORIDA
| State | Period | Rate |
| New York | Annual | $1,786 |
| Florida | Annual | $1,903 |
| New York | 6-Month | $893 |
| Florida | 6-Month | $951 |
| New York | Monthly | $149 |
| Florida | Monthly | $159 |
Affordable auto insurance companies in New York and Florida
A major determinant of your auto insurance costs is the insurer you choose. Underwriters set premiums in a variety of ways, leading to major price variations. Your location also plays a role: some regional insurance companies have limited geographic range, while major insurers' rates change by state.
When moving, you should try to find the best cheap car insurance company offering policies in your new location. Get started below with our list of the five cheapest car insurance companies in New York and Florida.
CHEAP CAR INSURANCE COMPANIES IN NEW YORK
| Car Insurance Company | Average Annual Rate |
| USAA | $1,175 |
| Erie | $1,230 |
| Utica National | $1,519 |
| Progressive | $1,527 |
| Travelers | $1,544 |
See additional affordable auto insurance companies in New York.
CHEAP AUTO 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 more affordable auto insurance companies in Florida.
Car insurance rates by city in New York and Florida
Although car insurance is legislated on a state-by-state level, insurers price rates by ZIP code to adjust for location-specific factors such as density and the likelihood of a crash. The exact location to which you move will play a big part in deciding your car insurance rates.
Reference the below tables to see auto insurance rates in major cities in Florida and New York.
CAR INSURANCE RATES BY CITY IN NEW YORK
| City | Average Annual Rate |
| New York | $2,681 |
| Buffalo | $1,518 |
| Rochester | $1,046 |
| Yonkers | $1,939 |
| Syracuse | $1,108 |
Check out a more comprehensive list of New York cities.
AUTO INSURANCE PREMIUMS 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 a different city? View rates in smaller Florida cities.
More information on moving from New York to Florida
When you move from New York to Florida, you will face unfamiliar driving laws, different FR-44 or SR-22 requirements, and more. Ensure your interstate move is as easy as possible with The Zebra's data on your new home:
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