Updated: November 21, 2024
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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.
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.
Florida Requirements
Pennsylvania Requirements
Car Insurance Resources for Florida and Pennsylvania
MoneyGeek analyzed quotes in Florida and Pennsylvania to help you determine which provider offers the lowest rates, which company offers the best service, where you can get quotes and how much the cost varies in Florida vs. Pennsylvania.
MoneyGeek analyzed the cheapest car insurance in Florida and the cheapest car insurance in Pennsylvania.
MoneyGeek ranked the best auto insurance in Florida and the best auto insurance in Pennsylvania.
MoneyGeek compares the cost of car insurance in Florida and the cost of car insurance in Pennsylvania differ based on a range of factors.
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.
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:
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.
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. | $374 | |
2. | $543 | |
3. | $571 | |
4. | $652 | |
5. | $825 | |
6. | $835 | |
7. | $919 | |
8. | $1,061 | |
9. | $1,084 |
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:
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.
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 |
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.
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
Pennsylvania
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.
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 |
|---|---|
$548 | |
$1,068 | |
$497 |
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.
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.
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.
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.
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.
Florida auto insurance laws require drivers to carry minimum coverage of property damage liability per accident and personal injury protection per person. Meanwhile, Pennsylvania's minimum car insurance laws require 15/30/5 liability insurance and personal injury protection coverage.
GEICO is the most affordable car insurance provider in both Florida and Pennsylvania. Its insurance costs an average of $590 per year in Florida and $543 per year in Pennsylvania.
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
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.
