How much car insurance costs in Florida vs. New Jersey

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Car insurance rates can look very different depending on where you live. Premiums in Florida and New Jersey vary widely due to differences in state insurance laws, traffic patterns, claims trends and even weather risks.

For example, drivers in Florida pay an average of $326 per month for car insurance. In New Jersey, the same level of coverage costs about $260 monthly.

If you’re planning a move — or just wondering how your ZIP code affects what you pay — understanding these differences can help you budget smarter and choose the right coverage for your situation.

Average car insurance rates in Florida vs. New Jersey

In Florida, drivers pay an average of $326 per month for car insurance, compared with $260 per month in New Jersey.

For a standard six-month policy, that works out to $1,958 in Florida and $1,561 in New Jersey.

Overall, drivers in New Jersey typically pay lower premiums than those in Florida. While statewide averages show a clear difference, your personal rate may be higher or lower depending on factors such as your driving history, age, vehicle type, coverage limits and ZIP code.

Below is an overview of average car insurance rates in Florida and New Jersey.

Premium type	Florida	New Jersey
Avg. Monthly Premium	$326	$260
Avg. 6 Month Premium	$1,958	$1,561
Avg. Annual Premium	$3,916	$3,122

How car insurance rates compare by coverage level in Florida and New Jersey

Car insurance costs in Florida and New Jersey vary based on the coverage level you select. In Florida, full coverage averages $3,916 per year, compared with $3,122 annually in New Jersey.

Those differences reflect how insurers price policies in each state based on overall claims data, vehicle values and driver risk profiles.

Coverage level affects cost because:

Full coverage includes liability, collision and comprehensive protection.
Liability-only coverage pays for damage or injuries you cause to other drivers but does not cover your own vehicle.
State minimum liability meets only the legal coverage requirements in each state.

The table below compares average premiums across common coverage types in Florida and New Jersey.

Coverage types	Florida	New Jersey
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$3,916	$3,122
State Minimum BI/PD	$1,763	$1,568
Liability Only – 50/100/50 BI/PD	$2,320	$1,691
Non-Owners	$668	$1,141
Gap Insurance	$4,297	$3,306
SR22 with 1 DUI	$5,670	$7,059

Cheapest car insurance companies in Florida vs. New Jersey

Even within the same state, car insurance prices can differ widely from one company to another. To help you compare your options, we’ve highlighted the insurers offering the lowest average rates in both Florida and New Jersey. These numbers give you a starting point — but your personal rate may vary.

Cheapest car insurance companies in Florida

In Florida, Travelers offers the lowest average rate at $2,448 per year. Followed by:

State Farm: $2,758
UAIC: $2,837

The table below shows car insurance providers in Florida with the most affordable car insurance rates.

Company	Annual rate
Travelers	$2,448
State Farm	$2,758
UAIC	$2,837
GEICO	$2,974
Mercury Insurance	$3,643
Allstate	$5,064
Progressive	$5,676
AIG	$6,137

Cheapest car insurance companies in New Jersey

In New Jersey, NJM offers the lowest average annual rate at $2,373 per year. Other affordable options include:

Travelers: $2,522 per year
GEICO: $2,597 per year

Below, you see car insurance providers with the most affordable rates for drivers in New Jersey.

Company	Annual rate
NJM	$2,373
Travelers	$2,522
GEICO	$2,597
Farmers	$2,726
Progressive	$3,069
Allstate	$3,311
State Farm	$3,997
Plymouth Rock Assurance	$4,534

How to find the cheapest car insurance in your state

Compare at least three quotes
Ask about discounts
Adjust deductibles carefully
Review coverage limits

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Average car insurance rates by ZIP code in Florida and New Jersey

Car insurance rates can vary significantly by ZIP code — even within the same state. Insurers use location-based data when setting premiums, which means two drivers with similar profiles could pay different rates depending on where they live.

Below is a comparison of average car insurance costs by ZIP code in Florida and New Jersey.

How much does car insurance cost by ZIP code in Florida?

In Florida, rates can differ noticeably across ZIP codes. Among the most populous ZIP codes analyzed, 32259 has the lowest average annual premium at $3,403.

Here’s a closer look at how average car insurance rates compare across ZIP codes in Florida.

ZIP code	City	Annual rate
32259	Fruit Cove	$3,403
34787	Winter Garden	$3,753
34953	Port St. Lucie	$3,927
32218	Jacksonville	$4,049
33647	Tampa	$4,569
33024	Hollywood	$4,905
33411	Royal Palm Beach	$4,945
33025	Miramar	$4,965
33023	Miramar	$5,103
33311	Fort Lauderdale	$5,195

How much does car insurance cost by ZIP code in New Jersey?

Among the most populous ZIP codes analyzed, drivers in ZIP code 7111 pay an average of $4,142 per year. In comparison, drivers in ZIP code 8753 pay about $2,904 annually.

The table below shows how average car insurance premiums compare across ZIP codes in New Jersey, giving you a clearer picture of how location may impact your rate.

ZIP code	City	Annual rate
8753	Toms River	$2,904
8854	Piscataway	$3,143
8701	Lakewood	$3,538
7305	Jersey City	$3,630
7002	Bayonne	$3,752
7087	Union City	$3,779
7093	West New York	$3,779
7047	North Bergen	$3,965
7055	Passaic	$4,028
7111	Irvington	$4,142

What are the top car insurance companies in Florida and New Jersey?

The top car insurance companies in Florida and New Jersey are ranked based on overall performance and customer satisfaction scores. Below, we highlight the highest-rated insurers in each state, using standardized comparisons of financial strength, complaints data and service ratings.

What are the top car insurance companies in Florida?

In Florida, GEICO ranks highest overall, with a score of 4.84 and a customer satisfaction rating of 0.60.

Close behind is State Farm, earning an overall ranking of 4.36 and a satisfaction score of 0.87.

The table below shows the highest-rated car insurance companies in Florida, based on overall score and customer satisfaction.

Company	Overall ranking	Customer Satisfaction Index Ranking
GEICO	4.84	660
State Farm	4.36	639
Travelers	4.28	620
Allstate	3.61	660
Mercury Insurance	3.32	594
Progressive	3.30	606

What are the top car insurance companies in New Jersey?

In New Jersey, NJM leads with an overall ranking of 4.92 and a customer satisfaction score of 0.16.

It’s followed by GEICO at 4.14, with a satisfaction rating of 0.60.

Travelers rounds out the top three with an overall ranking of 4.10 and a satisfaction score of 0.63.

Below are the top-rated car insurance providers in New Jersey, based on overall performance and customer satisfaction.

Company	Overall ranking	Customer Satisfaction Index Ranking
NJM	4.92	721
GEICO	4.14	643
Travelers	4.10	633
Progressive	3.72	625
Farmers	3.57	636
State Farm	3.42	673
Allstate	3.21	632
Plymouth Rock Assurance	2.97	614

So, which state is more affordable for car insurance?

If you’re weighing a move — or simply comparing costs — car insurance can make a meaningful difference in your budget. On average, drivers in Florida pay about $3,916 per year for full coverage, while drivers in New Jersey pay around $3,122. Over time, that gap can add up, especially if you’re insuring multiple vehicles or planning a long-term relocation.

When it comes to finding the cheapest option, Travelers has the lowest average rates in Florida, while NJM stands out in New Jersey. But averages only tell part of the story. Your actual premium will depend on your driving record, vehicle, coverage choices and even your ZIP code.

Even a few hundred dollars in annual savings can tip the scales when comparing overall living costs. Before making a decision, it’s smart to compare personalized quotes from multiple insurers to see which state — and which company — truly offers the best value for your situation.

Frequently asked questions about home and auto bundle insurance

Is car insurance cheaper in Florida than in New Jersey?

Car insurance in Florida is expensive than New Jersey. The average monthly cost in Florida is $326, which is $66 more than the average in New Jersey of $260.

Can I use my Florida insurance in New Jersey?

If you’re just visiting New Jersey for a short time, your Florida car insurance should cover you. Most car insurance policies provide coverage across the U.S., so if your Florida policy meets the state’s minimum requirements, it will generally apply in New Jersey as well.

However, if you’re planning to move to New Jersey and stay for a longer period, you’ll need to switch your car insurance to a New Jersey provider. Each state has its own insurance rules, and you are required to have insurance that meets the minimum requirements of the state where your car is registered. Maintaining a Florida policy while living in New Jersey could be considered insurance fraud, especially if you’re involved in an accident.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.