How To Find Car Insurance When Moving to a New State

Moving from one state to another involves all sorts of tasks — and making any needed changes to your car insurance should be near the top of your to-do list.
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How To Find Car Insurance When Moving to a New State

Written by Brian Greenberg
CEO / Founder & Licensed Insurance Agent

Last updated: November 29th, 2022

Reviewed by Grant Desselle
Licensed Insurance Agent

Auto insurance is required in every state except Virginia and New Hampshire (and it’s a good idea in those two states, too). However, the requirements may differ slightly from state to state, so you should do a little research first. This article can help get you off to a good start.

How Do You Find Car Insurance When Moving to a New State?

When you prepare to move to a new state, you should call your current insurance agent to see what changes you’ll need to make to your insurance. You should also take a look at the DMV website in your new state to confirm the insurance requirements (and check out vehicle registration and driver’s license requirements while you’re there). Typically, you will need insurance in your new state before you can register your vehicle there. Once you’ve handled all the new registration and insurance requirements, don’t forget to cancel your policy in your former state.

Keep reading to learn some of the key information you need to know when moving to a new state.

Do You Need to Change Car Insurance After You Move to a New State?

You may be able to keep your old insurance after you move to a new state, depending on whether your insurance company is licensed to do business in the new state. However, almost certainly, you’ll need to switch insurance agents since agents are typically only licensed in one state. Depending on the state you’re moving to, you’ll have 30 to 90 days to make any needed insurance changes.

Do You Need to Change Car Insurance Before You Move to a New State?

You don’t need to change your car insurance before you make your move to a new state, but you should start the process by discussing your move with your current insurance agent. You’ll need insurance in the new state before you can register your car there, so don’t delay.

How Quickly Should You Update Your Car Insurance Policy After Moving?

Depending on the state, you’ll have 30 to 90 days to update your insurance policy and get your car registered in your new state. Fines can be hefty if you don’t meet the deadlines, so it’s a good idea to get the process started as quickly as possible.

Does Moving to Another State Affect Your Auto Insurance Policy Rate?

Yes. In fact, even a move within your state (or even within your city) can change your auto insurance rates since rates are determined in part by your zip code. You may find that your car insurance rate changes drastically with your interstate move, so get all the information you need as early as possible to plan for the rate change.

Are Some States More Expensive for Auto Insurance Than Others?

Yes. States can vary by thousands of dollars per year in their auto insurance rates. At the top of the list is Michigan, where minimal coverage (liability only) runs an average of over $4,000 per year. Other states where auto insurance is very expensive include Florida, Rhode Island, Delaware, and Nevada. The least expensive state for auto insurance is Iowa, with an average yearly rate of under $400 for minimal coverage. Other states with highly affordable insurance premiums include South Dakota, Wisconsin, North Dakota, and Wyoming.

Are There Any States Auto Insurance Providers Do Not Operate in?

You can find auto insurance providers in every state, but not every auto insurance company operates in every state. You may even be surprised to learn that a major insurance company whose ads you’ve seen on TV doesn’t operate in your state. If the insurance company you used in your old state doesn’t operate in your new state, you’ll have to do some research to find the best coverage at the best price from a new-to-you company that does operate in your new state.

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