Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jun 4, 2019

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Auto insurance laws vary greatly from state to state and your auto insurance premiums may increase or decrease, according to where you are moving.

Many consumers stay with their existing company but you really should shop around and compare car insurance quotes anytime you switch residences.

It’s important to keep in mind that most times you can stay in another state for up to six months, retain your current policy still have valid coverage.

However, if you intend to spend longer than that you should look into your auto insurance situation.

Use our FREE quote tool to compare insurance rates today!

What should I tell my car insurance company?

It is imperative to contact your auto insurance company as soon as you decide to relocate. You will need to let them know exactly where you are going and how long you are intending to stay there.

If you already have an address it’s a good idea to provide this and start collecting information on the cost of car insurance for your new ZIP code.

If you are not quite sure exactly where you are going to live on a permanent basis, then you can always present them with a few different localities and take it from there.

If your company is licensed to provide car insurance in the state to which you are moving, then find out what kind of deals they have available. You are highly likely to discover that your premium will either increase or decrease in a new state and some of your current discounts may not be offered.

These changes occur because conditions and risk factors are different depending on where you live and car insurance companies base premiums on risk.

Furthermore, your situation may affect the auto insurance packages available to you.

If moving means that you are suddenly in a higher or lower risk situation when it comes to driving; or if it causes your financial situation to alter, either for better or worse, your premium will change accordingly.

If you are happy with the package that your company is offering you then you can simply ask your insurance company to switch your cover over to your new address and your new state.

It must be emphasized that, while you may be covered for six months on your original policy, this process of transference does not happen automatically.

It is imperative that you contact your insurance company as soon as you have decided to relocate in order to avoid any lapse in coverage.

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Is it worth considering deals offered by other insurance companies?

Auto insurance rates vary greatly from state to state and you should shop around, especially when moving. With each new location there will be a different set of licensed car insurance companies, policy options and available discounts.

There are many resources online where you can compare auto insurance rats so don’t feel like you have to find the yellow pages for each potential location.

When should I cancel my existing coverage if I decide to switch providers?

If you do decide to start a new insurance policy when you move to another state, it is very important that you do not cancel your current policy before initiating the new one.

It is illegal to drive in the United States without insurance and, if caught, you can receive a penalty or even jail time, or have your driver’s license or registration canceled.

Furthermore, if you have an accident, you will not be covered, which could mean an enormous debt or even bankruptcy.

If you do decide to switch car insurance companies, it is important to remember to inform your current company. You can ask them to cancel your account in advance.

For example, if you know that you are going to move in a month’s time, but need to retain the coverage until then, you can provide them with the date on which you know your new policy will start.

If you fail to do this, your original company will continue to charge you automatically, regardless of whether you have commenced a new policy or changed address. They need to receive a direct request for cancellation from you.

Moving to a new state can involve a lot of time and hassle. Because the laws governing the different states are so various, you can often find that you have an awful lot of paperwork on your hands!

However, switching auto insurance companies is a fairly easy task but you need to follow necessary procedures correctly or this also will result in more time and expense.

Use our FREE quote tool to compare insurance rates today!