If you're thinking of moving from Florida to New York, keep in mind that the two states require different car insurance coverage and limits. Florida auto insurance laws only require liability for property damage and the PIP in a minimum coverage policy. While most policies last a minimum of six months, there are ways to get temporary car insurance in Florida or temporary car insurance in New York if you're only in the state for a short period. The MoneyGeek car insurance calculator in Florida or the New York car insurance calculator will quickly calculate how much a policy costs in each state.
Although GEICO is the cheapest insurer in both states, its policies are much more expensive in New York than in Florida. Because Florida and New York have different laws and auto insurance companies, the costs and requirements vary. Car insurance requirements don't vary in a given state, so living in more densely populated areas will most likely affect your rate. New York also requires personal injury protection (PIP) and coverage for uninsured drivers in its auto insurance policies.
Since none of the states offer car insurance programs for low-income people, you can still save money if you're looking for car insurance for low-income people in Florida or car insurance for low-income people in New York. The minimum car insurance requirements by state come from the respective state's Department of Motor Vehicles (DMV). There are many reasons why car insurance in one state may be more expensive than in another; it's impossible to attribute the cause to just one factor. MoneyGeek answers some frequently asked questions to help you better understand the differences between car insurance in Florida and car insurance in Florida.