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

Since Florida and Pennsylvania have different car insurance laws and insurers, premiums and requirements vary. GEICO offers the cheapest car insurance premium in Florida at around $590 per year and in Pennsylvania at roughly $543 per year.

Last Updated: 6/17/2022
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Are you relocating from Florida to Pennsylvania or vice versa? The regulations for car insurance in Florida differ from those in Pennsylvania. Florida requires $10,000 in property damage liability per accident, but Pennsylvania only requires $5,000. Pennsylvania drivers also need medical payments coverage. Florida drivers do not.

MoneyGeek analyzed costs and determined the cheapest insurers. We also compared the differences in requirements and laws between the states.

Car Insurance Laws in Florida vs. Pennsylvania

Florida car insurance laws mandate that motorists have a minimum of property damage liability per accident and personal injury protection per person. Meanwhile, the minimum car insurance laws in Pennsylvania include 15/30/5 in liability insurance and personal injury protection coverage.

A minimum-coverage car insurance policy in Florida costs an average of $1,123 per year. In Pennsylvania, the same coverage costs around $912. Pennsylvania requires more insurance than Florida, but it is less expensive. This could be due to factors like population density and accident frequency.

MINIMUM CAR INSURANCE REQUIREMENTS IN FLORIDA AND PENNSYLVANIA

Florida Requirements

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

Pennsylvania Requirements

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
  • $5,000 medical payments coverage
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How Are Car Insurance Laws Enforced in Florida and Pennsylvania?

There are 12 no-fault states in the United States, including Florida and Pennsylvania.

Florida and Pennsylvania are called no-fault states because they have a law requiring car insurance that pays regardless of who was at fault for the accident. This type of insurance coverage is called no-fault insurance. Keep in mind that this type of coverage might increase your premiums.

Cheapest Car Insurance Companies in Florida vs. Pennsylvania

Car insurance rates differ from company to company and state to state. Shopping around can help you save money.

On average, the following are the cheapest companies in Florida and Pennsylvania:

  • Cheapest in Florida: GEICO ($590 per year)
  • Cheapest in Pennsylvania: GEICO (at $543 per year)

MoneyGeek found USAA to be the cheapest company in both Florida and Pennsylvania, at roughly $406 and $374 per year, respectively. However, these policies are only available to military families.

While the same company provides the cheapest premiums in both Florida and Pennsylvania, the pricing changes for each state. For example, GEICO policies in Pennsylvania are $47 cheaper compared to GEICO Florida.

Cheapest Car Insurance Companies in Florida

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Cheapest Car Insurance Companies in Pennsylvania

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THE CHEAPEST COMPANY FOR YOU MAY DIFFER

GEICO is the cheapest auto insurance company in Florida and Pennsylvania. These rates, however, are only for insurance with the minimum insurance coverage. Your premium will be determined by your coverage level, age, driving history, location and other factors. MoneyGeek researched the most affordable choices in both states:

Insurance Rates

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Average Cost of Car Insurance in Florida vs. Pennsylvania

The level of coverage you purchase determines the cost of your auto insurance.

The average cost of state minimum coverage in Florida and Pennsylvania is $1,123 and $912, respectively. This means that drivers in Pennsylvania save an average of $211 on the state's minimum coverage compared to Florida drivers. The average cost of full coverage is $2,208 in Florida and $1,818 in Pennsylvania.

These rates are average rates. Your actual rates might be more or less depending on the level of coverage you choose.

Average Cost of Car Insurance in Florida vs. Pennsylvania

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  • Driver
    Florida Annual Premium
    Pennsylvania Annual Premium
  • Minimum Coverage
    $1,123
    $912
  • Full Coverage
    $2,208
    $1,818
  • Adding a Young Driver
    $4,913
    $4,037
  • Drivers With a Violation
    $2,902
    $2,141
  • Drivers With Poor Credit
    $4,194
    $2,871

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

There are several factors that might contribute to Florida's higher premiums when compared to Pennsylvania. It’s impossible to attribute rate variations to any specific factor. Impacting criteria include the state's high theft rate, the state's high rate of uninsured drivers and more.

Car Insurance Costs by City in Florida vs. Pennsylvania

Auto insurance costs vary by state, and your premiums are determined by the city in which you live. MoneyGeek researched and found the cheapest and most expensive cities in Florida and Pennsylvania for car insurance, on average.

Florida

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

Pennsylvania

  • Cheapest city: Pittsburgh ($497 per year)
  • Most expensive city: Philadelphia ($1,068 per year)

In any given state, the car insurance requirements stay the same regardless of the city you live in. Therefore, this is not a cost factor. Areas with larger populations can lead to higher rates.

Car Insurance Costs by City in Florida

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Car Insurance Costs by City in Pennsylvania

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Moving Between Florida and Pennsylvania? What to Know

Moving from Florida to Pennsylvania or vice versa requires updating your driver's license, vehicle registration and car insurance coverage.

If you're relocating to a state where your existing insurance provider is available, you may be able to maintain it. However, you should be aware that your premiums may rise to reflect the increased risks and coverage requirements.

MoneyGeek has a variety of resources to help you choose the insurance coverage that best suits your requirements.

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    Use MoneyGeek’s car insurance calculators for Florida and Pennsylvania

    MoneyGeek's car insurance calculator in Florida and car insurance calculator in Pennsylvania will show you estimates of how much you'll spend for auto insurance in each state based on the details you provide.

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

    Drivers in Florida must submit an SR-22 if they commit a serious traffic offense, such as driving without insurance, driving on a suspended or expired license or DUI/DWI. Meanwhile, high-risk drivers tend to pay more for auto insurance because insurance companies consider them to be high-risk. They may even reject their applications if they do not meet particular coverage standards.

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

    Even though most insurance plans are valid for at least six months, there are methods to get temporary car insurance in Florida or temporary car insurance in Pennsylvania if you are only visiting the state for a short time.

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

    You can find ways to save with MoneyGeek’s resources for low-income drivers in Florida as well as low-income drivers in Pennsylvania.

FAQs About Florida and Pennsylvania Car Insurance

The regulations and rates for auto insurance in Florida and Pennsylvania vary. MoneyGeek answers some frequently asked questions regarding car insurance in both states to help you get the best coverage.

Methodology

To calculate average car insurance rates by company and across Florida and Pennsylvania, 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 the 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.