Do I need to update my car insurance if I move?

"I'm moving from Arizona to Colorado. I know car insurance is more expensive in Colorado, so I'm wondering if I need to update my insurance when I move?

What would happen if I keep my vehicle insured in Arizona?"

Answer
“Your car insurance in Colorado will be more expensive than in Arizona due to state minimum car insurance requirements. Colorado has higher minimum coverage requirements than Arizona.
If you don’t update your address with your insurance company, you could face serious consequences. Your car insurance company needs to know where the vehicle is garaged and kept. If you get into an accident and they find out you’ve been living in Colorado, they can deny a claim due to your dishonesty. It could also be considered insurance fraud.
Beyond this, you may not be properly covered in an accident due to the lower coverage requirements in Arizona.
If you are unhappy with your current rate after updating your address, you should shop around. Even with increased coverages, you may still be able to find a more affordable rate than what your current carrier is offering.”
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Emily Maracle
Answered on Jul 26, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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