Updated: May 20, 2024
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If you are considering moving from Illinois to Florida or vice versa, you will need to keep in mind that car insurance requirements vary. In Florida, you are only required by state law to carry property damage liability and personal injury protection. Illinois requires drivers to have uninsured/underinsured motorist coverage in addition to liability coverage.
MoneyGeek analyzed costs to find the cheapest companies and compared requirements for car insurance in Florida vs. Illinois.
Florida car insurance laws require drivers to carry property damage liability and personal injury protection. Car insurance laws in Illinois require drivers to have personal and property damage liability plus uninsured/underinsured motorist coverage.
Rates can vary between the two states, with a minimum coverage policy costing an average of $1,123 per year in Florida and $582 per year in Illinois. Factors such as population density and frequency of accidents can cause rates to be higher in Florida compared to Illinois.
Florida Requirements
Illinois Requirements
Car Insurance Resources for Florida and Illinois
MoneyGeek analyzed rates of car insurance in Florida vs. Illinois to help you find the cheapest options. We also have resources on how to get quotes and compare costs between the two states.
MoneyGeek highlighted the cheapest car insurance in Florida and cheapest car insurance in Illinois.
MoneyGeek ranked the best car insurance in Florida and best car insurance in Illinois.
MoneyGeek analyzed how car insurance costs in Florida and car insurance costs in Illinois differ based on various factors.
Florida is a no fault state, so you are required to file a claim with your insurer regardless of who is at fault for an accident. No-fault states also require you to carry personal injury protection as part of your minimum insurance coverage, so they tend to have higher car insurance premiums.
Illinois is a tort-state or at-fault state, meaning the driver who causes the accident is financially responsible for the damages.
On average, the cheapest companies for minimum coverage car insurance in Florida and Illinois are:
If you have a military background, USAA may be the cheapest option for you in Florida at roughly $406 per year.
Although GEICO is the cheapest insurer in both states, their policy costs around $224 more in Florida. This shows that rates can vary between states even when buying a policy from the same company.
Company | Annual Rate | |
|---|---|---|
1. | $406 | |
2. | $590 | |
3. | $1,034 | |
4. | Allied | $1,056 |
5. | $1,085 | |
6. | $1,120 | |
7. | $1,356 | |
8. | $1,564 |
Company | Annual Rate | |
|---|---|---|
1. | $366 | |
2. | $367 | |
3. | $385 | |
4. | $411 | |
5. | $454 | |
6. | $459 | |
7. | $562 | |
8. | $566 | |
9. | $603 | |
10. | $620 | |
11. | $751 | |
12. | $780 | |
13. | $799 |
GEICO is the most affordable company for auto insurance in Florida and Illinois. However, the rates listed are for minimum coverage policies. The actual costs that you will pay for your car insurance will depend on factors such as your location, coverage level required, age and driving history.
MoneyGeek analyzed the cheapest providers for auto insurance in Florida vs. Illinois:
Your coverage level is one of the key factors that impact the cost of car insurance in Florida and Illinois. For a minimum coverage policy, the average annual cost is $1,123 in Florida and $582 in Illinois. In both states, you will pay significantly higher rates for full coverage car insurance at approximately $2,208 per year in Florida and around $1,134 per year in Illinois.
Driver | Florida Annual Premium | Illinois Annual Premium |
|---|---|---|
Minimum Coverage | $1,123 | $582 |
Full Coverage | $2,208 | $1,134 |
Adding a Young Driver | $4,913 | $3,642 |
Drivers With a Violation | $2,902 | $1,452 |
Drivers With Poor Credit | $4,194 | $2,077 |
When comparing auto insurance in Florida vs. Illinois, premiums in Florida are typically much higher. This could be due to a variety of factors. Florida, for instance, has a higher highway density and a higher rate of uninsured motorists compared to Illinois, meaning the risk factors for the insurer are more substantial in Florida. This contributes to higher premiums.
Car insurance rates in Florida and Illinois can differ significantly within the state depending on where you live.
On average, the cheapest and most expensive cities in Florida for state minimum car insurance are:
The cheapest and most expensive cities in Illinois for state minimum car insurance are, on average:
Car insurance requirements are the same within a state, so this is not the reason rates vary between cities. However, factors like population density may differ across cities within a state, causing car insurance premiums to be higher in some cities.
City | Average Annual Rate |
|---|---|
$813 | |
$1,054 | |
$1,214 | |
$1,157 | |
$1,277 | |
$693 | |
$1,461 | |
$1,248 | |
$869 | |
$846 | |
$1,334 | |
$1,390 | |
$1,107 | |
$964 | |
$853 | |
$1,094 | |
$1,208 | |
$932 | |
$1,086 | |
$738 | |
$1,288 | |
$1,338 |
City | Average Annual Rate |
|---|---|
$458 | |
$582 | |
$481 | |
$483 | |
$461 | |
$419 | |
$438 | |
$424 |
After you move from Florida to Illinois or vice versa, you will need to transfer your driver’s license and registration. If you’re happy with your current insurer and they provide coverage in your new state, you can stay with that insurer. However, your premiums may change to reflect the risks and coverage requirements in your new state.
MoneyGeek has the resources to help you find the best insurer based on your driving background.
Use MoneyGeek’s car insurance calculators for Florida and Illinois
MoneyGeek’s Florida car insurance calculator and Illinois car insurance calculator will give you a customized car insurance quote based on your age, driving record, credit score, vehicle type and more.
Learn about car insurance for high-risk drivers in Florida and Illinois
High-risk drivers typically pay more for car insurance and could even be rejected by some providers. As a high risk driver, you might be required to have an SR-22 in Florida or an SR-22 in Illinois if you have severe driving violations.
Figure out your options for temporary car insurance in Florida and Illinois
Temporary car insurance is ideal if you need coverage for a short period. In most cases, car insurance policies have a minimum term of six months. However, MoneyGeek found alternatives for temporary car insurance in Florida and temporary car insurance in Illinois.
If you’re a low-income driver, see if Florida or Illinois offer car insurance programs
Depending on whether you are moving to Florida or Illinois, you can use MoneyGeek’s resources for low-income drivers in Florida and low-income drivers in Illinois.
Auto insurance in Florida and Illinois differs in terms of rates and state requirements. We answered some frequently asked questions about car insurance in Florida vs. Illinois to help you learn more.
Car insurance laws and requirements in Florida and Illinois differ in terms of the minimum coverages required by each state. Florida car insurance laws require drivers to carry only property damage liability and personal injury protection coverage. Illinois laws require drivers to carry uninsured/underinsured motorist coverage in addition to personal and property damage liability.
The cheapest car insurance company in both Florida and Illinois for most drivers is GEICO. However, rates for GEICO’s car insurance are typically higher in Florida compared to Illinois due to risk factors such as a higher traffic density.
To calculate average car insurance rates by company and across Florida and Illinois, MoneyGeek collaborated with Quadrant Information Services to collect auto insurance quotes from both locations. We used a sample profile for a 40-year-old driver with a clean driving record and minimum coverage unless modified by criteria like coverage level, age, driving offenses and credit score. Learn more about how costs are calculated in our MoneyGeek car insurance methodology.
Minimum car insurance requirements by state were sourced from the Department of Motor Vehicles (DMV) of the respective state.
About Mark Fitzpatrick
Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
