Planning a move from Virginia to Florida? You may need to update your car insurance.
If you're in the process of relocating from Virginia to Florida, you are probably focused on the obvious concerns and expenses: finding a reliable long-haul moving company, securing somewhere to live in your new state, and setting your move-in schedule.
Amidst all this stress, it can be easy to forget the details. Car insurance coverage is often treated as a detail, but it's a big one. To stay street legal and find cheap rates, you should plan to update your policy — or find a new one — when you make the move.
Check out our guide to car insurance in Virginia and Florida to better understand the steps you should take to ensure your interstate move goes smoothly. We'll cover the following:
Expect to pay more for auto insurance in your new state. The average annual auto insurance rate in Florida is $692 pricier than the average cost in the state of Virginia. The precise cost will depend on your coverage choice, driving history, and your car insurance company.
| State | Average Annual Price |
| Virginia | $1,127 |
| Florida | $1,819 |
The amount you pay for car insurance depends on how you use your vehicle and what level of coverage you want.
With state minimum liability auto insurance coverage, you will get bodily injury, medical payment, and property damage liability coverages, in addition to uninsured/underinsured motorist coverage and personal injury protection in some states.
| Location | Time Period | Premium |
| Virginia | Annual | $376 |
| Florida | Annual | $822 |
| Virginia | 6-Month | $188 |
| Florida | 6-Month | $411 |
| Virginia | Monthly | $31 |
| Florida | Monthly | $68 |
Upgrading to full-coverage car insurance incurs further costs, but you'll get the added benefits of comprehensive and collision coverages, along with extras like rental car reimbursement and roadside assistance protection. The primary benefit of full coverage car insurance is that it covers you and your vehicle more comprehensively than does minimum liability coverage. If you're motivated to protect your investment, consider full coverage.
| State | Duration | Premium |
| Virginia | Annual | $982 |
| Florida | Annual | $1,903 |
| Virginia | 6-Month | $491 |
| Florida | 6-Month | $951 |
| Virginia | Monthly | $82 |
| Florida | Monthly | $159 |
A major contributor to your car insurance costs is the insurer you choose. Car insurance companies set premiums in a variety of ways, leading to substantial variations in pricing. Geography also plays a role: some insurers have limited geographic range, while major insurers’ rates may vary by state.
When moving across state lines, you should look to find the best cheap auto insurance company in your new location. Get your research started below by viewing the five most affordable car insurance companies in Virginia and Florida.
| Insurance Company | Average Annual Rate |
| Travelers | $666 |
| USAA | $702 |
| Penn National | $733 |
| Cincinnati | $748 |
| Utica National | $773 |
See additional cheap auto insurance companies in Virginia.
| Insurance Company | Average Annual Rate |
| USAA | $760 |
| Travelers | $1,073 |
| Nationwide | $1,267 |
| Atlantic States | $1,305 |
| Cal Casualty | $1,319 |
View other affordable auto insurance companies in Florida.
Although car insurance is regulated at the state level, underwriters assign rates by ZIP code to account for location-specific factors like density and frequency of car crashes. The location to which you relocate plays a major role in deciding your car insurance rates.
The below tables show car insurance rates in major cities in Florida and Virginia.
| City | Average Annual Rate |
| Virginia Beach | $929 |
| Norfolk | $980 |
| Chesapeake | $917 |
| Arlington | $993 |
| Richmond | $995 |
See a more comprehensive list of insurance rates in Virginia cities here.
| City | Average Annual Rate |
| Jacksonville | $2,000 |
| Miami | $3,209 |
| Tampa | $2,584 |
| St. Petersburg | $2,241 |
| Orlando | $2,049 |
Looking for another city's data? View more insurance rates for Florida cities here.
When you move from Virginia to Florida, you will encounter new driving laws, different SR-22 or FR-44 requirements, and more. Make sure your move is seamless with our collection of information on your new home:
