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Old 06-15-2021, 02:14 PM   #1
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Florida or Virginia

I have been planning on a relocation from Virginia to Florida to end the high Personal Property Taxes, as well as the elimination of Virginia state income taxes. Then when I look into auto Insurance I find that both auto insurance and RV insurance premiums are SKY HIGH IN FLORIDA.


Auto Insurance for me will increase by more than 50%, and RV insurance is so far 3-5 times more.



So, I will continue to look into these things, but I must say, changing home ports is not as lucrative as it seems when you consider all the new costs but of course this is a state by state and situation by situation, and I wanted to ask that those of you who have facts on these topics that you chime in and add the facts as yo have them.


Thank you friends
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Old 06-15-2021, 02:47 PM   #2
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Overall Fla is good cost of living wise. My Ventana, 2020 Blazer, 14 Versa, 2 Harleys and an enclosed trailer cost me $260/year to register.
Insurance on all of them with high liability limits is $4,175. 1000/ded.
Home prices are increasing due to demand. But, no snow is all I need to know
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Old 06-15-2021, 03:48 PM   #3
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Moved to Fl. from Wisc. Everything less down here. Weather is better and no income tax.
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Old 06-15-2021, 07:20 PM   #4
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I moved from Virginia to Florida last October.

Just the savings in no personal property taxes was thousands of dollars. I find that the insurance premium was about 6-10% more, BUT Florida is a "no fault state" and glass coverage" is included as well.

As you said, there is also no State taxes,

And Florida has a "Homestead Exemption" for property owners which, I think, is $25,000 per person, $50,000 if married. This is a reduction of the amount of the value of the property, which reduces the real estate taxes.

Electricity is cheaper, water/sewer a good bit more expensive, & groceries will work out to about the same "total cost".

It depends on ones situation, but in my case has saved me thousands of dollars annually, money I can put in my pocket, save, or spend.

And with the IDIOT GOVERNOR in Virginia, it only gets worse!
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Old 06-15-2021, 07:27 PM   #5
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There is a minor cost to living in a better place.
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Old 06-16-2021, 07:30 PM   #6
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We moved to FL from KY last July and haven't looked back. I think your numbers are high, we may be like the others, 5-10% higher. The savings are incredible and because we full time, we can leave when it's too darn hot, if we want.
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Old 06-17-2021, 04:42 AM   #7
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Like others have said, there are financial puts and takes.

Insurance can be quite a bit higher, depending on where you are coming from and where in Florida you are going to. House insurance will be higher due to hurricanes. When I moved to FL from the Midwest a couple decades ago, car insurance was a good 50% higher in FL.

It can be informative to look at crime data comparing your current location to the new location. This crime data can show where you might have higher risk of theft, hence leading to higher premiums.

When we sold it all and started full time, we found our car insurance drop and RV insurance was also cheaper.

OP is doing the right thing, research and count the costs ahead of time.
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Old 06-17-2021, 05:19 AM   #8
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Consider East Tennessee. We have no state income tax, and I think anyway, low property taxes. Our house is about $300,000 on nearly 1 acre and the taxes are $1500 a year. Homeowners insurance about the same. Vehicle insurance is about $2500 for motorhome and 3 cars which is comparable to what we paid in Minnesota before moving.

There is no personal property tax on vehicles or rv’s. We pay $29 a year for all four vehicles.
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Old 06-17-2021, 07:41 AM   #9
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You are right about vehicle insurance in Florida... very expensive. A driver in that is that about 1/3 of the vehicles on the road are uninsured so when there is an accident, the people that have insurance pay for it. The state just doesn't enforce the laws regarding auto insurance. Now home owners insurance is crazy. Used to be reasonable, but mine has doubled in the past year. it's now about $8k a year for homeowners and flood insurance. Taxes are about $2500/yr. Traffic really stinks now. It used to be great, but with the influx of new residents over the years and total lack of transportation infrastructure improvement, it essentially a gridlock. It's not the great place it was when I moved here 40 years ago.
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Old 06-17-2021, 09:51 AM   #10
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Yes, moving to FL can be quite a change. Depends on WHERE! Yes, car insurance is much higher than some states - a move from VT to Fl was double the price for the same car! And if you want to be by the water (east or west coast, doesn't matter), be prepared to pay - home ownership, insurance, traffic, etc. Flood insurance is a bear! And that's because people moving here think living near/on the water is what FL is all about. Tampa area keeps exploding and traffic is awful but . . if you can be happy living in the 'interior' of FL (75 miles to either coast), you can find reasonable living. I got tired of the west coast/expenses and I am building an attached RV garage home for around $300,000 mid state - 80' above sea level, no flood insurance, low living costs, no property taxes (100% disabled), no high priced HOA's, etc. Get a cool breeze off the lake . . AND NO SNOW!! Doesn't get any better!!
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Old 06-17-2021, 10:06 AM   #11
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Most of the high insurance rates in Florida are in the southern metropolis counties around Miami, Palm Beach, Tampa-St Pete, etc. Where I live in north central Florida (Ocala area), rates aren't much different than similar sized cities in other states.
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Old 06-17-2021, 10:26 AM   #12
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Quote:
Originally Posted by Jabber Jaw View Post
I moved from Virginia to Florida last October.

Just the savings in no personal property taxes was thousands of dollars. I find that the insurance premium was about 6-10% more, BUT Florida is a "no fault state" and glass coverage" is included as well.

As you said, there is also no State taxes,

And Florida has a "Homestead Exemption" for property owners which, I think, is $25,000 per person, $50,000 if married. This is a reduction of the amount of the value of the property, which reduces the real estate taxes.

Electricity is cheaper, water/sewer a good bit more expensive, & groceries will work out to about the same "total cost".

It depends on ones situation, but in my case has saved me thousands of dollars annually, money I can put in my pocket, save, or spend.

And with the IDIOT GOVERNOR in Virginia, it only gets worse!
Getting rid of PPT and Gov. BF are both very desirable goals.
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Old 06-17-2021, 01:07 PM   #13
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We left VA and domicile in TX. The deciding factor for us between FL and TX was the sky high insurance cost. TX is a lot cheaper for us. If you’re full time I would highly recommend using escapees in Livingston, TX. They are awesome to work with in establishing your domicile. VA is not remotely like the state I was born in and raised and I am very proud to now be a TX citizen.
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Old 06-17-2021, 02:53 PM   #14
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I had to move recently from Florida to Wisconsin for family reasons. It costs me around $10K more per year to live here. Income tax and health insurance is much higher. Yes, car/homeowner insurance is cheaper, but overall, it's more expensive to live here. Don't forget, snow removal costs too. Any services you buy is much higher up North. Labor is much cheaper in FL. You will get nickel-dimed to death up here.
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