Do you need to change car insurance when you move?

You need to change car insurance when you move to another state or ZIP code. Car insurance rates are determined based on location, and you may be moving to an area with different rates and different insurance requirements. Use our free comparison tool below to compare auto insurance quotes by ZIP code to see how much your car insurance rates will change when you move.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 29, 2020

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Things to know...

  • When you move, you need to update your address with your current insurance provider
  • Where you live can affect your insurance rates
  • It may be wise to shop around for better auto insurance rates when you move

Moving into a new home can be stressful and exhausting, and the last thing you may think about is your car insurance policy.

However, within a few days after you finish unloading your moving truck, you need to update all of your lenders, banks, insurers, and others about your new mailing address for billing purposes.

You may not think that your premium for auto insurance would change when you make this update, but this is actually a very real possibility.

In fact, some drivers may notice a rather sizable increase in their auto insurance premium after updating their provider with a new mailing address.

Savings may be available when you shop around and compare rates with other providers, and this means that now may be a great time to start requesting new quotes from top insurance companies. Enter your zip code above to compare right now.

A closer look at how your home address can affect your insurance rates can help you to determine why this is true.

Updating Your Existing Coverage


As soon as possible after you relocate into your new home, you should notify your insurance provider about the change. While this is necessary for billing purposes, it also is necessary because your insurance requirements and rates may change based on your home address.

How Rates Are Determined

Auto insurance rates are determined by several important factors, and one major factor is where you live.

Your new residential zip code will be analyzed during the quote generation process. Accident and theft statistics within that specific zip code will be reviewed.

If statistics indicate a higher percentage of accidents or auto thefts within your new zip code, your rates offered by your current insurance provider may increase.

Because your zip code plays a significant role in your auto insurance rates, it may be best to plan ahead and do some research before choosing where you move to.

In some cases, the difference in insurance rates between locations just a mile or two apart can be significant. Your insurance agent can help you to find more affordable zip codes to narrow your home hunting search down to.

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Insurance Requirements May Change

You may be aware that you must obtain a minimum level of auto insurance. Depending on the state where you live, this is usually a liability insurance policy that includes components for bodily injury liability and property damage liability.

This type of coverage will compensate another party for damages that you cause while operating your vehicle, but it does not pay for any of your own vehicle repairs, medical expenses, and more.

These minimum liability insurance requirements vary by state. If your relocation plans brought you to a new state, there is a good chance that you may need to increase your coverage in order to comply with your new state’s laws.

In some cases, however, you may be permitted to decrease coverage if the state has less robust requirements.

Remember that many drivers benefit by purchasing more than the state’s minimum required coverage, and this is because you are personally responsible for any damages that exceed your coverage limits.

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Getting New Quotes to Find the Best Rate


Potentially, your car insurance coverage and your insurance rates determined by your zip code can change when you update your address with your current provider.

Regardless of whether your new rates are higher or lower than they previously were, it makes sense to shop around and compare new quotes for coverage from different providers.

After all, other auto insurance providers may analyze your coverage and policy changes differently, and they may offer you substantially lower savings.

Choosing Reputable Providers

The first step to take when you are preparing to request auto insurance quotes after moving into a new home is to choose a few reputable providers.

While there are many auto insurance providers that you can request quotes from, factors such as their financial strength and their reputation for providing great service to customers varies.

You can research financial strength for top auto insurance providers by using websites like:

  • A.M. Best
  • Moody’s
  • Standard and Poor’s

These websites typically have a simplified search function that makes it easy to find out more about the financial strength of a specific company with minimal time and effort required.

You can also use Consumer Reports or other independent consumer review websites to explore providers’ reputations in the industry.

Focus on factors related to customer service, billing, and handling claims to make the best overall decision about which providers to request quotes from.

Ideally, you will choose between three to five leading auto insurance companies to request new insurance quotes from.

Looking for Great Discounts

Insurance companies analyze a slew of factors when determining the rate they will offer you. While these factors are usually the same, how they analyze the factors varies significantly.

In addition, they may offer different auto insurance discounts that can save you money on your premium, and they may have unique requirements that you need to meet to qualify for these discounts.

Because of this, your qualification for different discounts can make one insurer far more affordable to buy coverage from than another insurer.

There are numerous auto insurance discounts that are common today, and some of these include:

  • A bundled policies discount when you get home or life coverage from your auto insurance provider
  • A multiple vehicles or multiple drivers discount
  • A safe driver discount for taking a driver’s education course or having a clean driving record
  • A discount for safety or security features in your car
  • A low mileage discount
  • A senior citizen discount
  • A student discount for high school or college students

You may have many things on your mind as you prepare to move into a new home or immediately after you complete the relocation process. Updating your contact information with your various service providers and vendors may be included in your to-do list.

While it is necessary to provide your current auto insurance company with updated contact information after you move into a new home, this may also be a great time to update your coverage and to shop around to potentially find lower auto insurance rates.

Enter your zip code below to shop today!

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