What is a new address discount?

If you're moving, you may wonder if there is a new address car insurance discount. Unfortunately, there are generally no new address car insurance discounts. Moving may affect your car insurance rates, however, and they could go either up or down. Check for other discounts that can save you money after you move as well, like bundling homeowners with your car insurance to save up to 25%.

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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: Jun 30, 2021

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Things to Know

  • There isn’t a specific discount for moving to a new address
  • If you move, you may end up saving money on your car insurance
  • Many discounts are available to help reduce auto insurance rates

Whether you’re getting ready to move or you already have, you may be asking yourself, “What is a new address discount?” or “What happens if I don’t change my address on my car insurance?”

The truth is, you won’t find a new address discount offered by car insurance companies. Additionally, you are required to update your address as soon as you move.

While there is no specific discount for a new address, there are plenty of other discounts you likely qualify for. Reviewing car insurance by state can tell you what rate changes you can expect if you’re moving to a new location. However, comparing multiple companies will ensure the best rates.

When you’re ready to compare rates for your new address, enter your ZIP code here for free, quick quotes from various car insurance companies.

How does changing your address affect car insurance?

There are many factors that play a role in figuring out what your exact rates will be for car insurance. Car insurance companies figure out how big of a risk they are taking by insuring you. Your rates are determined by your risk level.

Where you live impacts your rates. Things like how much traffic is in the area or how many accidents involving deer will affect how much you are paying. Moving can mean an increase or decrease in your car insurance cost. Other factors that impact your rates other than location are:

  • Age
  • Annual Mileage
  • Credit Score
  • Claims
  • Driving Record

Knowing that where you live may increase your rates may have you wondering, “What happens if I don’t change my address on my car insurance?” The answer, you would be committing fraud. You must inform your car insurance company as soon as you relocate permanently.

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What are the most important car insurance discounts to ask for?

Just because there aren’t any new address car insurance discount rates, doesn’t mean you should ignore other available discounts. Most car insurance companies will have a variety of discounts to help lower your rates.

There are similar discounts with many companies. However, some offer some pretty unique ones. Here is a look at the best discounts offered by various providers.

Discounts by Insurance Provider
Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise Controlxxxx
Adaptive Headlightsxxxxxxxx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxx
Anti-Theftxxxxxxxxxxxxxxxxxxxxxx
Claim Freexxxxxxxxxxxxxxxxxxxxxx
Continuous Coveragexxxxxxxxxxxxxxx
Daytime Running Lightsxxxxxxxxxxxxxxxxxx
Defensive Driverxxxxxxxxxxxxxxxxxxxxxx
Distant Studentxxxxxxxxxxxxxxx
Driver's Edxxxxxxxxxxxxxxxxxxxx
Driving Device/Appxxxxxxxxxxxxx
Early Signingxxxxxxxxxxxxxx
Electronic Stability Controlxxxxxxxxx
Emergency Deploymentx
Engaged Couplex
Family Legacyxxxxxx
Family Planxxxxx
Farm Vehiclexxxx
Fast 5x
Federal Employeexxxx
Forward Collision Warningxxxxxxx
Full Paymentxxxxxxxxxxxxxxxxx
Further Educationxxxxxxxxx
Garaging/Storingxxxxxx
Good Creditxxxx
Good Studentxxxxxxxxxxxxxxxxxxxxxx
Green Vehiclexxxxxxx
Homeownerxxxxxxxxxxxxxxxxxx
Lane Departure Warningxxxx
Life Insurancexx
Low Mileagexxxxxxxxxxxxxxxxxxx
Loyaltyxxxxxxxxxxxx
Marriedxxxxxxxxxxxxxx
Membership/Groupxxxxxxxxxxx
Militaryxxxxxxxxxx
Military Garagingx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newer Vehiclexxxxxxxxxxxxxxxx
Newly Licensedx
Newlywedsx
Non-Smoker/Non-Drinkerx
Occasional Operatorx
Occupationxxxxxxxxxxxx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
Recent Retireesxx
Renterxxx
Roadside Assistancexx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Utility Vehiclexxxx
Vehicle Recoveryxxxxxxxxxxxxxxxxxxxxx
VIN Etchingxxxxxxxxxx
Volunteerx
Young Driverxxxxxx
Discounts Provided #21212927182726343431383835362230192022382828

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As you can see, there are a plethora of discounts out there that can save you a bundle on your car insurance. GEICO and Progressive car insurance companies tend to offer some of the best discounts. They also keep coming up with new ones to help their customers save money.

Ready to get great discounts and affordable car insurance rates without a new address car insurance discount? Enter your ZIP code now and compare what a variety of companies have to offer.

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