Car Insurance Comparison: Pennsylvania vs. Florida

Moving from Pennsylvania to Florida? Remember to update your car insurance.

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By Kristine Lee

Updated June 18, 2025

Edited By Ross Martin

Comparing auto insurance in Pennsylvania and Florida

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:

Insurance rate comparison
Rates by coverage level
Cheap companies by state
Rates in major cities
Additional resources

Pennsylvania vs. Florida car insurance — average prices

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.

AUTO INSURANCE PREMIUMS IN PENNSYLVANIA VS. FLORIDA

State	Average Annual Price
Pennsylvania	$1,428
Florida	$1,819

Average car insurance rates by coverage level

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.

AUTO INSURANCE PREMIUMS FOR BASIC LIABILITY COVERAGE IN PENNSYLVANIA vs. FLORIDA

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.

CAR INSURANCE RATES — FULL COVERAGE IN PENNSYLVANIA vs. FLORIDA

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

Inexpensive auto insurance companies in Pennsylvania and Florida

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.

AFFORDABLE CAR INSURANCE COMPANIES IN PENNSYLVANIA

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.

CHEAP AUTO INSURANCE COMPANIES IN FLORIDA

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.

Car insurance rates by city in Pennsylvania and 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.

CAR INSURANCE COSTS BY CITY IN 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.

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 other Florida cities.

More resources: moving from Pennsylvania to Florida

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:

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.