Does My Car Insurance Cover Me if I Move?

If you move to a new place, your car insurance might still cover you—but there’s a good chance that your rates will change. Read this article to learn how your insurance changes when you move.
Written by Jacoba Bood
Reviewed by Kathleen Flear
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
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Do I need to change insurance when I move?

If you're moving, you usually don't need to change your car insurance. However, you do need to update your current car insurance company of your new location.
If you are moving to a different state, your company may have you take out a new policy with them. The only situation when you will have to change insurers completely is if your insurer doesn't operate in your new state. If this is the case, you should look for quotes from other companies and choose the best rate for your coverage needs.

Will my car insurance rates change if 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 since a
car insurance lapse can negatively impact your rates
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,
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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.
Minimum car insurance requirements in your state
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.
After all, most states have entirely different coverage requirements.
Using an intelligent tool like
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.
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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.
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