Car Insurance in Florida vs. Massachusetts: Costs, Laws and Resources

Car insurance laws and companies in Florida and Massachusetts differ, so costs and requirements vary. GEICO is the cheapest insurer for minimum coverage in Florida at roughly $590 yearly. State Farm is the cheapest in Massachusetts at around $323 annually.

Last Updated: 6/17/2022
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If you are moving from Massachusetts to Florida or vice versa, remember that each state has different car insurance requirements. Florida law requires drivers to have property damage liability and personal injury protection. Massachusetts law requires drivers to have uninsured/underinsured motorist coverage, personal injury protection, personal liability and property damage liability.

MoneyGeek analyzed rates to find the cheapest companies. We also compared the requirements for car insurance in each state.

Car Insurance Laws in Florida vs. Massachusetts

Florida car insurance laws require drivers to have property damage liability and personal injury protection. Car insurance laws in Massachusetts mandate uninsured/underinsured motorist coverage, personal injury protection, personal injury liability and property damage liability.

Car insurance costs also vary between the two states, with a minimum coverage policy costing roughly $1,123 per year in Florida and $547 per year in Massachusetts. Population density and the frequency of accidents may cause car insurance to be more expensive in Florida.

MINIMUM CAR INSURANCE REQUIREMENTS IN FLORIDA AND MASSACHUSETTS

Florida Requirements

  • $10,000 property damage liability per accident
  • $10,000 personal injury protection per person

Massachusetts Requirements

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
  • $20,000 uninsured/underinsured motorist coverage per person
  • $40,000 uninsured/underinsured motorist coverage per accident
  • $8,000 personal injury protection per accident
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How Are Car Insurance Laws Enforced in Florida and Massachusetts?

Both Massachusetts and Florida are no-fault states, which means that if there is an accident, you are required to file a claim with your insurer regardless of who is at fault. No-fault states also require all drivers to carry personal injury protection, so they typically have higher car insurance premiums compared to at-fault or tort states.

Cheapest Car Insurance Companies in Florida vs. Massachusetts

On average, the most affordable companies for minimum coverage car insurance in Florida and Massachusetts are:

  • Cheapest in Florida: GEICO ($590 per year)
  • Cheapest in Massachusetts: State Farm ($323 per year)

USAA may be the cheapest option for you in Florida at around $406 per year if you have a military background.

Even with the same provider, rates can vary significantly between states. For example, State Farm is the cheapest option in Massachusetts. However, in Florida, it is one of the more costly car insurance providers at $1,085 per year for a state minimum policy.

Cheapest Car Insurance Companies in Florida

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Cheapest Car Insurance Companies in Massachusetts

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THE CHEAPEST COMPANY FOR YOU MAY DIFFER

GEICO is the most affordable company for car insurance in Florida, while State Farm is the cheapest in Massachusetts. The rates in this analysis are for minimum coverage policies. The actual costs for your car insurance will depend on your age, location, the coverage level required and driving history.

MoneyGeek analyzed the cheapest providers for auto insurance in Florida vs. Massachusetts to help you find the most affordable options:

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Average Cost of Car Insurance in Florida vs. Massachusetts

Rates for car insurance in Florida and Massachusetts vary depending on the coverage level. If you buy a state minimum policy, you will pay an average of $1,123 per year in Florida and $547 per year in Massachusetts. Full coverage policies cost significantly more in both states, at roughly $2,208 per year in Florida and $1,112 per year in Massachusetts.

Average Cost of Car Insurance in Florida vs. Massachusetts

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  • Driver
    Florida Annual Premium
    Massachusetts Annual Premium
  • Minimum Coverage
    $1,123
    $547
  • Full Coverage
    $2,208
    $1,112
  • Adding a Young Driver
    $4,913
    $3,134
  • Drivers With a Violation
    $2,902
    $1,384
  • Drivers With Poor Credit
    $4,194

Why Are Car Insurance Rates More Expensive in FL vs. MA?

There are a variety of reasons why a state could be more expensive for car insurance than another.

For example, Florida has a much higher car theft rate compared to Massachusetts and also has a higher rate of uninsured motorists. These are some of the factors that make car insurance more costly in Florida compared to Massachusetts.

Car Insurance Costs by City in Florida vs. Massachusetts

On average, the cheapest and most expensive cities in Florida for state minimum car insurance are:

  • Cheapest city: Gainesville ($693 per year)
  • Most expensive city: Hialeah ($1,461 per year)

The cheapest and most expensive cities in Massachusetts for state minimum car insurance are, on average:

  • Cheapest city: Cambridge ($497 per year)
  • Most expensive city: Springfield ($705 per year)

Although car insurance requirements are the same within each state, factors such as population density and rate of traffic accidents can vary from city to city, making some cities more expensive for car insurance than others.

Car Insurance Costs by City in Florida

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Car Insurance Costs by City in Massachusetts

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Moving Between Florida and Massachusetts? What to Know

When you move from Florida to Massachusetts or vice versa, you need to transition your driver’s license and registration. You may find that your current insurer offers coverage in the new state, so you can stay with the same provider.

However, even with the same insurer, rates may vary from state to state due to differences in risk factors and coverage requirements.

You can use MoneyGeek’s resources to find the best car insurance for your needs.

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    Use MoneyGeek’s car insurance calculators for Florida and Massachusetts

    MoneyGeek’s Florida car insurance calculator and Massachusetts car insurance calculator will give you a car insurance quote based on your age, driving record, credit score, vehicle type and more.

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    Learn about car insurance for high-risk drivers in Florida and Massachusetts

    High-risk drivers typically pay more for car insurance and may even be rejected by some providers. If you have severe driving violations, you might be required to file an SR-22 in Florida.

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    Figure out your options for temporary car insurance in Florida and Massachusetts

    Temporary car insurance is a good option if you only need coverage for a short period. Most policies come with a minimum term period of six months, but MoneyGeek found options for temporary car insurance in Florida and temporary car insurance in Massachusetts.

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    If you’re a low-income driver, see if Florida or Massachusetts offer car insurance programs

    Massachusetts and Florida do not have car insurance programs for low-income drivers, but you can use MoneyGeek’s resources for low-income drivers in Florida or low-income drivers in Massachusetts to find ways to save on your premiums.

FAQs About Florida and Massachusetts Car Insurance

Car insurance in Florida and Massachusetts differ in terms of costs and minimum requirements. You can learn more about auto insurance in Florida vs. Massachusetts using our frequently asked questions.

Methodology

To calculate average car insurance rates by company and across Florida and Massachusetts, 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 the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.