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.
- I want to compare car insurance laws in Florida vs. Pennsylvania
- I want to see the cheapest insurance companies in Florida vs. Pennsylvania
- I want an analysis of how and why car insurance costs differ in Florida vs. Pennsylvania
- I want to see how car insurance costs differ by city
- I’m moving between Florida and Pennsylvania, what should I know?
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.
- $10,000 property damage liability per accident
- $10,000 personal injury protection per person
- $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
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
Cheapest Car Insurance Companies in Pennsylvania
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:
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
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
Florida Annual Premium
Pennsylvania Annual Premium
Adding a Young Driver
Drivers With a Violation
Drivers With Poor Credit
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.
- Cheapest city: Gainesville ($693 per year)
- Most expensive city: Hialeah ($1,461 per year)
- 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
Average Annual Rate
Car Insurance Costs by City in Pennsylvania
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.
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.
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.
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.
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 Mark Fitzpatrick