Does My Car Insurance Cover Me if I Move to a New City?

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  • What variables could impact my rate when I move?
  • Insurance rates and requirements vary from state to state
  • Can I transfer my insurance?
  • What if my insurance rate increases?
Most car insurance companies will give you 30–90 days to notify them of a move. Your car insurance will likely still cover you if you relocate—but the sooner you notify your carrier about the move, the better.
If your insurance company doesn’t have an up-to-date record of where you keep your car, they could deny your claim. If you move between states, you’ll need to take out a new policy and maybe even switch providers.
If you’re moving and wondering whether your car insurance covers you in a new city, you’re in the right place. Car insurance comparison shopping app Jerry has compiled everything you need to know.
And if you’re in need of a new policy, Jerry can help you there, too. As a licensed broker that offers end-to-end support, Jerry gathers affordable quotes, helps you switch plans, and even cancels your old policy for you—all for free!
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What variables could impact my rate when I move?

Insurance companies take many different variables into account when calculating your insurance rates, including data on your ZIP code.
If you move to an area with more wildlife or heavier traffic, for instance, your insurance rates could increase. But it’s also possible for your rates to decrease when you move. If you’re closer to work and drive less frequently, you’ll pay a little less for your policy.

Don’t wait to update your insurance coverage

Most insurance providers will allow a window of 30–90 days to update your coverage after a move. Your insurance company may refuse a claim if your insurance details aren’t accurate, so the sooner the better.
You’ll want to have a new policy lined up before you cancel so you can avoid any lapse in your coverage.
And while you’re updating your policy information, it’s a great time to review your coverage.
If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls, and even cancels your old policy on your behalf—oh, and it’s free!
Key Takeaway You could lose your coverage if you don’t update it in time after a move.

Insurance rates and requirements vary from state to state

If you are moving between states, you can expect your insurance rates to change.
Different states have different minimum insurance requirements, and this will affect the cost of your policy. Most insurance providers don’t cover all states, so you might even have to find a new insurance company.

Can I transfer my insurance?

In some cases, you might be able to transfer your policy to your new address without having to update your coverage—but this is usually only the case if you are moving down the street. If you’re moving between states, you will need a whole new policy.
Using an intelligent tool like Jerry to shop for your insurance is the easiest and most effective way to find the best rate in your new location.
If you’re moving out of state and have questions about your coverage, Jerry’s friendly agents are here to provide advice on the best coverage options.
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What if my insurance rate increases?

If your insurance rate increases after a move, maybe it’s time to shop around for a new deal.
The Jerry app can help you find a better rate fast. As a licensed broker, Jerry does all the hard work of finding the cheapest quotes from name-brand insurance companies and finalizing your new policy. Jerry will even cancel your old policy for you.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price.
Here’s what one happy customer had to say…
“Such an amazing insurance agent app! Jerry is saving us $216 a month! Essentially, Jerry found us car insurance that is a 100% match to our old coverage—but cheaper! And even better, Jerry switches your coverage and cancels your old policy for you. All this at the tap of a button from my phone!”—Jerry user
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