Car Insurance When You Move

Your auto insurance and relocation are intertwined, after all where you live determines your rates. You will have some changes to your car insurance if you move; at least you must notify your insurnace company of your new address. You may need a new policy for your car insurance when you move states. Typically, rates are higher in larger cities where there are more thefts and more drivers.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ach...

Licensed Agent & Financial Advisor

Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...

Licensed Insurance Agent

UPDATED: Feb 10, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Moving to a new place can be a fun and exciting adventure (depending on the circumstances, of course). But don’t let your auto insurance coverage options get neglected in the process.

As soon as you move, your car insurance company needs to know so that they can adjust your rates accordingly. And it can benefit you too because moving from one area to another can sometimes save you money!

To see how much you could save, use our FREE search tool to compare auto rates for your move.

Relocating and your car insurance: things you should know

Whether you’re moving across town or across the country, you will have to inform your insurer. You may have to get a new policy, especially if you’re moving across state lines. That sounds like a hassle, but moving can save you a lot of money on your auto insurance rates.

Read more: Is it a bad idea to insure your car in another state?

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Moving Out of State? Get Car Insurance Before you Relocate

A big move — such as moving to a different state — will require a little more work in order to keep your insurance coverage updated and accurate. State laws vary wildly from one to the other. This can change the amount of coverage you are required to purchase, the types of coverage which must be on your policy, and how much your provider will charge you.

Car Insurance Rates in Different StatesLegend: Basic Car Insurance Rates Illinois AverageCalifornia AverageTexas AverageFlorida AverageNew York Average 102030405060708090100110120$34$64$105$126$93

Illinois Average
California Average
Texas Average
Florida Average
New York Average


10
20
30
40
50
60
70
80
90
100
110
120



$34

$64

$105

$126

$93

Contact your insurance agent as soon as you know that you’re going to be moving to a new state. They can help you tailor your policy according to those state laws where you will be moving. Or, if your current insurance provider does not operate in that state you are moving to, they might be able to help you find a good insurance company who can help you with your new policy.

Auto Insurance After Relocation – Rates Will Vary

Rates will be dependent upon a variety of factors. If you’re moving to a neighborhood similar to your own or a neighborhood in the same area, your rates are likely not going to change, if at all. However, if you’re moving to a more densely populated area, your rates might go up. If there is high crime or frequent traffic congestion in your new area, they might increase as well. Higher volumes of traffic usually denote a higher propensity for accidents.

Auto Insurance Rates in Different Major Cities Legend: Auto Insurance Rate Changes (Local) Duval County AverageOrange CountyPasco CountyBroward County AverageMiami-Dade AverageFlorida State Average 102030405060708090100110120$78$90$88$104$113$126

Duval County Average
Orange County
Pasco County
Broward County Average
Miami-Dade Average
Florida State Average


10
20
30
40
50
60
70
80
90
100
110
120



$78

$90

$88

$104

$113

$126

If at all possible, try to make sure that the area you’re moving to has a safe place to park your car at night, such as in a garage. Parking it curbside and outdoors leaves your vehicle vulnerable to weather damage, theft, and vandalism. Moving out of state? Compare car insurance quotes by entering your zip code in our search tool.

Looking back at the charts you’ve seen so far, it’s clear to see that whether you’re moving to a different city in the same state, or moving to a completely different state, your rates can and will likely change.

Sometimes, those changes are for the better — especially if you are moving from an urban area to a city with less traffic, fewer people, lower rates of theft, or all of the above. All of these factors can produce a lower monthly premium for you.

So if you’re still not sure about how to find auto insurance after moving out of state, just compare quotes below by entering your zip code. Who knows: you might even be able to find fantastic deals from local companies you’ve never even heard of! And comparing quotes on AutoInsuranceEZ.com is free, so you’ve got nothing to lose.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption