A simple guide to change care insurance when moving to another state
A simple guide to change care insurance when moving to another state
Tips for moving
September 20, 2023

Should I Change My Car Insurance When Moving to Another State?

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Moving to another state can be an exciting and transformative experience. It frequently entails a variety of adjustments, such as acclimating to a new setting and becoming familiar with new rules and laws.

Insure your car before moving out of state

When making such a move, one concern that often comes up is whether it is necessary to change your car insurance. In this blog post, we will go over the factors to consider when deciding whether or not to change your auto insurance when moving to a new state.

Understanding State-Specific Requirements

Understanding the specific auto insurance requirements in the new location is the first and most important thing to take into consideration when moving to another state. The laws governing auto insurance differ from state to state in the United States. In terms of the minimum coverage levels, the kinds of coverage necessary, and even how insurance claims are processed, these requirements may vary significantly.

For example, certain states require no-fault insurance, which means that your insurance provider will cover your losses and injuries regardless of who caused the accident. Others, however, adhere to the traditional tort system, in which the injured party is compensated by the at-fault driver's insurance.

To ensure you comply with your new state's laws, you will likely need to adjust your car insurance coverage to meet the minimum requirements. Failing to do so can result in legal consequences and the suspension of your driving privileges.

Review Your Current Policy

Before making any decisions, closely examine your current car insurance policy. Understanding your existing coverage will help determine how well it aligns with your new state's requirements and personal needs.

Key elements to consider when reviewing your policy:

Coverage Types

Check your coverage types, such as liability, collision, comprehensive, uninsured/underinsured motorist coverage, and personal injury protection (PIP). Your new state may require different types of coverage or higher minimum limits.

Coverage Limits

Compare the coverage limits on your current policy to the minimum limits mandated by your new state. If your current limits are lower than what is required, you will likely need to adjust them.


Review your deductibles for collision and comprehensive coverage. Adjusting your deductibles can affect your premium, so consider how changes might impact your budget.


Check for any discounts you are currently eligible for, such as safe driver discounts, multi-policy discounts, or good student discounts. These can vary between states and insurance providers.

Claims History

Your claims history can affect your insurance rates. If you've had recent accidents or claims, it might be reflected in your premium. Moving to a new state may provide an opportunity to reset your claims history.

Consult with Your Insurance Provider

Once you've reviewed your current policy and researched your new state's requirements, it's essential to consult with your insurance provider. They can guide how to adjust your coverage to meet the legal requirements and ensure that your policy remains in force after your move.

Ask about coverage options

Steps to follow when consulting with your insurance provider:

  1. Notify Them of Your Move: Inform your insurance company about your impending move as soon as possible. They need to know your new address and may need to adjust your policy accordingly.

  1. Ask About Coverage Options: Discuss your options for modifying your coverage to comply with your new state's requirements. Your insurer can provide you with quotes and advice on the best coverage options for your situation.

  1. Inquire About Premium Changes: Moving to a new state can impact your insurance premium. Ask your provider about how your rates may change and if there are any opportunities for discounts or savings.

  1. Policy Transfer: In some cases, your current insurance provider may not operate in your new state. If this is the case, they may be able to help you with the transition process, which may involve finding a new insurance company. Or you could research and find one yourself.

Consider the Timing

When switching your auto insurance during a move, timing is still another critical factor to take into account. Prior to formally moving to your new state, you should try to have your new policy in place. Driving without the appropriate insurance can result in penalties, license suspensions, and legal issues.

Start Early

Research and modify your auto insurance, just like you would when organizing a move, at least a few weeks before or as soon as you have a moving date.

Find Quotes

Get insurance estimates from several companies in your new state. Find the most suitable solution for your needs by comparing prices and coverage options.

Notify Your Current Insurer

Inform your current insurer of your move and the date you plan to cancel or transfer your policy. This will help save you from last-minute changes and fees.

Activate New Policy

Once you've selected a new policy and insurance provider, activate it before your move. Make sure you have all the necessary documentation, including your new state's registration and driver's license.


Moving to another state can be an exciting adventure, but it also comes with a host of new challenges, including changing your car insurance. To ensure a smooth transition, take the time to understand your new state's insurance requirements, review your current policy, consult with your insurance provider, and plan the timing of your coverage change.

By making informed decisions about your car insurance during your move, you can enjoy your new home with peace of mind on the road.

Contact Capital City Movers for any moving needs. Get in touch with us today at (718) 619-4881 for a Free Estimate, or visit our website for more information.


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