You just moved here. Here is the order to do this in.
Florida runs on rules that do not exist where you came from. Three of them cost money in the first month if nobody tells you.
The three that matter first
One: once you take a job, enrol a child in school or establish residency, Florida expects the vehicle registered here, and registration requires Florida coverage. Two: Florida is a no-fault state, so your policy must carry $10,000 of personal injury protection, which almost certainly did not exist on your old policy. Three: your out-of-state insurer generally cannot simply follow you here, so this is a new policy, not a change of address.
The order that works
Insurance before registration
The tag office will ask for Florida coverage before it will register the car. Doing it the other way around means two trips.
Bring your prior policy
Proof of continuous coverage and your prior limits is worth real money on the new rate. Do not let it lapse in the move.
Then the home or the rental
If you bought here, the wind and flood conversation is completely different from anywhere else in the country. Start it before closing, not at closing.
Expect a different number
South Florida auto rates are among the highest in the country and they are not a reflection of you. Continuous prior coverage, a clean record and a full year of Florida history are the levers that move them, and the third one only arrives with time.
If you came from another country
Your foreign driving record generally does not transfer, which means you are rated as a new driver regardless of how long you have driven. There is a page about exactly this, and there are carriers that handle it better than others.
What this touches
Questions people actually ask
Can I keep my old insurer?
Usually not for the Florida vehicle. Even national carriers write state by state, with a Florida policy form and Florida rates.
Work it out before anybody sells you anything
Four calculators that run in your browser, a page for every situation Florida puts people in, and the claims data for your own county. All of it free, and none of it behind a form. The form is for the other half of the job: when you have read enough and want a person on the phone.
Leave a name and a number and a licensed Florida agent gets in touch. No obligation, and no call from six companies you have never heard of.
A licensed Florida agent may call, text or email you about your request.