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.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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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.

Enter your ZIP code below to compare auto insurance rates.

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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

Contact your insurance agent as soon as you know that you’re going to be moving out of 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

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 is free, so you’ve got nothing to lose.

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Enter your ZIP code below to compare auto insurance rates.

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