Is Car Insurance Cheaper in New York or Florida?

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By Ross Martin

Updated February 5, 2023

Edited By Kristine Lee

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:

Car Insurance Comparison: New York vs. Florida