Moving from Pennsylvania to Florida? Remember to update your car insurance.
If you’re moving from Pennsylvania to Florida, you may be assessing the obvious expenses and concerns: finding a trustworthy long-distance moving service, finding a new apartment or house in your new locale, and setting your move-in schedule.
Amidst the stress of a big move, it can be easy to forget the details. Car insurance is often just an afterthought, but it's crucial. To find a cheap rate and stay street legal, plan to reevaluate your policy — or find a new one — when you move between states.
Read our guide to auto insurance in Pennsylvania versus Florida and make your interstate move painless. We'll cover the following topics:
You should expect to pay more for auto insurance in Florida than you did in Pennsylvania. The typical annual auto insurance rate in Florida is $392 pricier than in Pennsylvania. Keep in mind this cost depends on your coverage level, driving and insurance history, and your auto insurance company.
| State | Average Annual Price |
| Pennsylvania | $1,428 |
| Florida | $1,819 |
How much you shell out for car insurance coverage depends on how you use your vehicle and what level of coverage you desire.
With state minimum liability auto insurance coverage, you will most likely carry medical payment, bodily injury, and property damage liability coverages, in addition to underinsured and uninsured motorist coverage and personal injury protection in certain states.
| State | Period | Rate |
| Pennsylvania | Annual | $500 |
| Florida | Annual | $822 |
| Pennsylvania | 6-Month | $250 |
| Florida | 6-Month | $411 |
| Pennsylvania | Monthly | $42 |
| Florida | Monthly | $68 |
Electing full-coverage car insurance will raise your premiums, but you’ll get the peace of mind that comes with comprehensive and collision coverage levels, along with rental car reimbursement and roadside assistance. The primary benefit of full coverage is that it insures you and your car more comprehensively than does a lower level of coverage. If you want to go the extra mile to protect your vehicle, full coverage could be the way to go.
| State | Duration | Rate |
| Pennsylvania | Annual | $1,372 |
| Florida | Annual | $1,903 |
| Pennsylvania | 6-Month | $686 |
| Florida | 6-Month | $951 |
| Pennsylvania | Monthly | $114 |
| Florida | Monthly | $159 |
One of the top contributing factors to auto insurance costs is the insurer you choose. Companies price premiums in a number of ways, leading to major price variations. Your location also plays a role: some regional underwriters sell policies only in certain places, while bigger insurance companies' rates differ by state.
When moving across state lines, you should look to find the best cheap auto insurance company in your new location. Get started below by viewing the five most affordable car insurance companies in Pennsylvania and Florida.
| Insurance Company | Average Annual Rate |
| General Casualty | $733 |
| Travelers | $795 |
| USAA | $801 |
| Erie | $808 |
| Penn National | $824 |
See additional affordable auto insurance companies in Pennsylvania.
| Car Insurance Company | Average Annual Rate |
| USAA | $760 |
| Travelers | $1,073 |
| Nationwide | $1,267 |
| Atlantic States | $1,305 |
| Cal Casualty | $1,319 |
View other cheap auto insurance companies in Florida.
While car insurance is regulated at the state level, insurance companies price rates by ZIP code to adjust for location-specific factors such as density and the likelihood of a crash. The specific location to which you relocate plays a big part in deciding your premiums.
See below auto insurance rates in major cities in Florida and Pennsylvania.
| City | Average Annual Rate |
| Philadelphia | $2,017 |
| Pittsburgh | $1,074 |
| Allentown | $1,119 |
| Erie | $1,093 |
| Reading | $1,088 |
View a longer list of insurance rates in Pennsylvania cities here.
| 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 other Florida cities here.
When moving from Pennsylvania to Florida, you will encounter new rules of the road, different SR-22 or FR-44 requirements, and more. Ensure your move goes smoothly with our data on your new state: