When you move within the Bluegrass state or from another state, you’ll need to complete a Kentucky change of address at the DMV. If you’re moving within state lines, you can complete your change of address by mail as well.

Moving is one of the top five most stressful events someone can go through—right up there with divorce and losing a loved one. With so much stress on the brain, you may want to collapse on the sofa for a week or two as soon as the move is complete.

Don’t collapse just yet, though—you need to change your address with the Kentucky DMV and your

car insurance

company before your move is complete!

MORE:

How to lower your Kentucky car insurance costs

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How to change your address on a Kentucky driver’s license

While Kentucky doesn’t allow for changing your address online, it’s still easy to do it through the mail. All it’ll take is a little paperwork and one stamp to cross this item off your to-do list.

If you’re moving within Kentucky

Going from

Louisville

Lexington

? Maybe you’re just going across town in

Frankfort

. Whichever route you’re taking, you’ll need to change your address with the Kentucky Department of Motor Vehicles (DMV). The process shouldn’t take long, and you have two options:

Head to a

Circuit Court Clerk’s

office

Mail the completed paperwork

to the address on the form

Regardless of the way you choose to update your address, you need to provide your driver’s license information and proof of address, like a utility bill, bank statement, or rental agreement among other options. The fee for changing your address is $12.

MORE:

Does my car insurance cover me if I move to a new city?

If you’re moving to Kentucky from another state

It’s a little more complicated to change your address if you’re coming from another state, but it’s not too bad. You’ll need to apply for a Kentucky driver’s license, which must be completed in person.

You’ll need

certain documents

to apply for your Kentucky driver’s license, so gather your documents before heading out. Your documents should prove the following:

Your full legal name

Your date of birth

Your legal presence in the United States

Your Social Security number

Your Kentucky street address

You have options as to which documents you use to prove which aspect of your identity, but you must be able to prove all of the above when you apply for your license. If your name has changed through marriage or gender changes, you’ll need supporting documents. Other documents you can use include your birth certificate, passport, Social Security card, W-2 form, utility bill, property tax assessment, or bank statement.

Once you have everything together, head to the nearest

County Clerk office

Driver Licensing Regional Office

to apply for your license. You’ll need to pay the licensing fee of $24 for a four-year license or $48 for an eight-year license if you’re looking to get a

REAL ID

You’ll also need to

update your vehicle’s registration

with the Kentucky DMV. You have 15 days from the beginning of your residency to make the change of address to Kentucky official.

MORE:

How to switch car insurance companies when you move to a new state

Other steps for a Kentucky change of address

There are a couple of other details that are easy to forget when changing your address:

updating your address

with the United States Postal Service (USPS) and updating your voter registration.

How to notify your insurance company of your Kentucky change of address

You’ll also want to update your new address with your car insurance company to keep your prices as current as possible.

You can usually update your address by calling your insurance agent or going to your insurance company’s app or online portal. These are also easy ways to check the terms of your policy. If you have any questions, give them a call!

Why notifying your insurance company of a change of address is so important

What happens if you get pulled over after a big move and learn that you don’t have the insurance coverage you thought you did?

Kentucky's car insurance laws

require a minimum amount of liability insurance, and you’ll want to meet this threshold to avoid any charges or fines. If you took out a loan to pay for your car, your lienholder may require certain coverage levels as well.

But why does your address matter when your driving habits mostly remain the same? That’s because insurance companies set your rate by your address after evaluating the level of risk that is associated with your new ZIP code. It could be considered fraud if you change ZIP codes and don’t alert your insurance company.

If you want to avoid sky-high rates on car, home, and renter’s insurance for a while, you should update your address with your insurer as soon as possible.

MORE:

The 8 places you need to notify when you’re moving

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How to find affordable car insurance in Kentucky

What if your rate goes up when you change ZIP codes? Nobody wants to pay more just because they moved, but thankfully you can keep your increases to a minimum when you shop for insurance with

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Experts say you should shop for new insurance after you move, and Jerry provides the proof. You could save an average of $800 a year or more on your insurance after switching with Jerry, and the whole process takes less than two minutes!

Saving on car insurance is a great way to cap off your move! Take a load off your tired feet and kick back with Jerry finding the lowest rates in Kentucky for you.

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