How to Switch Car Insurance Companies When You Move to a New State

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How to Switch Car Insurance Companies When You Move to a New State (Photo: @reinasierra via Twenty20)
Cheryl Knight · Writer · Feb 19, 2021
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    When moving from state to state, car owners need to switch car insurance to comply with the regulations in the state they plan on moving to. Due to the difference in minimum coverage requirements, population levels, and crime in an area, car insurance premiums vary by state. And while in an ideal world you could keep your old coverage when you move, state laws require that you switch to a particular state’s insurance policy upon taking up residence there.
    The following information details what you need to do to update your car insurance when moving to a different state.

    How long do you have to switch car insurance upon moving?

    Depending upon the laws within each U.S. state, you have between 10 to 30 days to register your car within the new state. To successfully register a car in many states you also need to have an insurance policy within that state first. So, you need to switch insurance companies by either transferring your account from company offices in your old state to an office within the new state or purchasing insurance from a new company altogether.
    Failure to provide proof of coverage can result in the suspension of your car registration, so make sure to get the proper insurance within the time limit provided by state regulations. When securing insurance in a new state, you basically have two options, as detailed below:
    • Finding coverage with the same car insurance company: You can find coverage with your original insurance company from your former state. This might represent the easiest way to keep continuous coverage on your car. An agent at an office in your area simply switches you over to your new area, which might cause your premium to go up or down depending on factors such as area population, traffic level, where you park your car, or the chance of theft or vandalism.
    • Finding coverage with a different car insurance company: Switching car insurance companies represents another option. Moving to a new state also provides the perfect opportunity for you to compare rates between insurance companies and switch to a new insurance provider, which could save you money.
    Whether you transfer your policy to your current provider in your new state or switch to a new insurance company altogether, make sure that you have the minimum coverage requirements according to your new state laws. And, whatever you do, do not cancel your old insurance before obtaining or transferring to a policy at your new car insurance company.
    The following table shows state requirements for liability coverage:
    Liability Coverage Requirements by State
    State Body Injury Liability per Person / Bodily Injury Liability per Accident / Property Damage Coverage Requirements
    Alabama $25,000 / 50,000 / 25,000
    Alaska $50,000 / 100,000 / 25,000
    Arizona $15,000 / 30,000 / 10,000
    Arkansas $25,000 / 50,000 / 25,000
    California $15,000 / 30,000 / 5,000
    Colorado $25,000 / 40,000 / 10,000
    Connecticut $20,000 / 40,000 / 10,000
    Delaware $15,000 / 30,000 / 10,000
    District of Columbia $25,000 / 50,000 / 10,000
    Florida $10,000 / 20,000 / 10,000
    Georgia $25,000 / 50,000 / 25,000
    Hawaii $20,000 / 40,000 / 10,000
    Idaho $25,000 / 50,000 / 15,000
    Illinois $20,000 / 40,000 / 15,000
    Indiana $25,000 / 50,000 / 10,000
    Iowa $20,000 / 40,000 / 15,000
    Kansas $25,000 / 50,000 / 10,000
    Kentucky $25,000 / 50,000 / 10,000
    Louisiana $15,000 / 30,000 / 25,000
    Maine $15,000 / 30,000 / 10,000
    Maryland $30,000 / 60,000 / 15,000
    Massachusetts $30,000 / 60,000 / 15,000
    Michigan $20,000 / 40,000 / 10,000
    Minnesota $20,000 / 40,000 / 10,000
    Mississippi $25,000 / 50,000 / 25,000
    Missouri $25,000 / 50,000 / 10,000
    Montana $25,000 / 50,000 / 10,000
    Nebraska $25,000 / 50,000 / 25,000
    Nevada $15,000 / 30,000 / 5,000
    New Hampshire $25,000 / 50,000 / 25,000
    New Jersey $15,000 / 30,000 / 5,000
    New Mexico $25,000 / 50,000 / 10,000
    New York $25,000 / 50,000 / 10,000
    North Carolina $30,000 / 60,000 / 25,000
    North Dakota $25,000 / 50,000 / 25,000
    Ohio $12,500 / 25,000 / 7,500
    Oklahoma $25,000 / 50,000 / 25,000
    Oregon $25,000 / 50,000 / 20,000
    Pennsylvania $15,000 / 30,000 / 5,000
    Rhode Island $25,000 / 50,000 / 25,000
    South Carolina $25,000 / 50,000 / 25,000
    South Dakota $25,000 / 50,000 / 25,000
    Tennessee $25,000 / 50,000 / 15,000
    Texas $30,000 / 60,000 / 25,000
    Utah $25,000 / 65,000 / 15,000
    Vermont $25,000 / 50,000 / 10,000
    Virginia $25,000 / 50,000 / 20,000
    Washington $25,000 / 50,000 / 10,000
    West Virginia $25,000 / 50,000 / 25,000
    Wisconsin $25,000 / 50,000 / 10,000
    Wyoming $25,000 / 50,000 / 20,000
    Source: ValuePenguin
    When moving to a new state, keep in mind what type of coverage you need and how much you must carry according to the new state’s laws.
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