Changing Car Insurance After Moving

You may be changing car insurance after moving because you may not be covered in your new state. Changing car insurance when moving out of state is common when your current insurance company isn't licensed the new state you live. Shop around and get quotes from multiple insurance carriers if you have to choose a different company for car insurance after moving to another state.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 2021

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Here's what you need to know...

  • If you are moving, inform your current car insurance carrier to find out if they offer coverage in your new state
  • Shop around and get quotes from multiple insurance carriers if you have to choose a different company
  • Be sure to get your insurance ID cards for your new state before you move

As exciting as moving to a new state can be, the experience is also wrought with quite a few complicated hassles. One of those hassles might be changing your car insurance.

Doing so may be a simple process if a nationally-known company currently provides your car insurance.

On the other hand, it can be difficult if you’re currently using a regional or state insurance carrier.

Keep reading and we’ll tell you what you need to know about car insurance when moving to a new state.

Enter your ZIP code above to access car insurance quotes from companies in your new state today!

When moving to a new state, it is essential that you know what the insurance and vehicle laws are in that state. At the top of the list are regulations governing time limits.

In other words, most states allow for 30 days or so before you’re required to switch over your registration and insurance.

But make sure you know these limits so that you do not exceed them. If you’re pulled over for a violation of time limits have expired, you could be in for some very hefty fines.

The Best-Case Scenario

In the best-case scenario, you already have your car insurance through a provider who is licensed in both your current state and the state you’re moving to.

If so, simply contacting the insurance provider and informing them of your move will usually be all that’s necessary to switch.

Your rates might be different in your new state, depending on what laws come into play, but the task of changing should be easy.

Be sure that you get new insurance ID cards in plenty of time to have them for your move. Do this even if the change does not become active until the day of, or one day after your move.

You don’t want to be pulled over for a traffic violation in your new state only to have your current insurance ID cards conflicting with the information being provided by your insurance company.

You’ll also need those new insurance cards when you transfer your registration to your new state.

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The Worst-Case Scenario

The worst-case scenario is that you are currently getting your car insurance from a company not licensed to do business in your new state.

In this case, you’ll have to start over by obtaining a new policy from a new carrier. If so, there are a few things you need to know.

You should start searching for a new car insurance company as soon as you’re aware of your moving date.

Get quotes from as many companies as possible and compare them line by line.

Make sure there is absolutely no lapse in coverage. Both your old and new insurance companies will inform the states of coverage changes so that you won’t get away with anything.

Other Things to Consider

There are some other things to consider when changing car insurance between states. One of the biggest issues has to do with how states view vehicle registrations.

For example, New York State requires that drivers turn in their plates and registrations upon the expiration of an insurance policy.

If you’re moving to Pennsylvania with a new insurance carrier, you would have to surrender your plates on the same day as your New York insurance expired.

For this reason, it might be useful to keep your policy in force long enough to allow you to transfer your registration to Pennsylvania.

Be sure to check with both your old state and your new state to see if there are any other obscure regulations of which you need to be aware.

You also need to know what the minimum requirements for insurance are in the state to which you’re moving. Since these minimums vary from one state to the next, you need to know exactly for what your new insurance company is charging you.

If you’re staying with the same insurance company and minimum requirements are lower in your new state, you’ll want to know that so you can lower that coverage on your policy if you decide to do so.

Enter your ZIP code below to access quotes from multiple car insurance companies in your area!

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