How do I get car insurance in a different state?

What do I need to know about insuring my car in a different state? I’m moving soon for a new career opportunity. I am feeling overwhelmed about making sure I’m legal to drive there.

Answer
Wow, this sounds like an exciting new chapter in your life!
Since you are planning to relocate and permanently change your residency, here is a checklist to help ensure you cover all the necessary groundwork to get car insurance in a different state.
Step one: Call your insurance agent. Contact your current provider, ask if they have a branch in your new state, and inform them you’ll be moving.
Step two: Check your new state’s minimum requirements. Visit your new state’s official Department of Motor Vehicles website for information on required coverage.
You will likely have at least 30 days to fill out and turn in the appropriate documents after arriving in your new state. However, be aware that if you fail to do this, there may be penalty fees.
Step three: Purchase a new insurance policy. Typically, you will need proof of insurance to change your driver’s license and vehicle registration when you are in your new state. Shop for at least three quotes to ensure you aren’t overpaying for your new policy.
Step four: Register your vehicle. Now that you have a policy in your new state, go to the DMV to register your car and get a new license plate. Documents you will likely need to bring include:
  • Driver’s license
  • Vehicle title
  • Proof of insurance
  • Proof of residence
  • Government-issued ID
Step five: Get a new driver’s license. Find out if you can get this when you obtain your new vehicle registration at the DMV, but you may have to go somewhere else to be photographed.
Step six: Cancel your old policy. Once you have a new insurance policy in your new state, you can go ahead and cancel your previous coverage. A rule of thumb is to never discontinue your current policy without having another one in place.
If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy. The average Jerry user saves $879 a year on insurance.
Phoebe Mah
Answered on Nov 12, 2021
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