How does your address affect your car insurance?

Does your address affect your car insurance premium? I'm getting ready to move, and I want to know how my new location will change my insurance rate.

Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Moving will likely change your car insurance premium, but it might increase or decrease depending on where you move. Here are a few ways your insurance rate might be impacted by your move:
  • If you move from the suburbs to a large city, your premium will likely rise due to increased risks of
    and/or damage.
  • But if you move out of the city, you might see a drop in your monthly bill—since the risk will likely be lower.
  • Changes in your parking situation could also impact your insurance. While parking in a personal garage is safe for your car, parking on the street is risky. So you may pay more if your new home doesn’t come with a safe parking space.
  • If you’re moving to a new state, your
    minimum state insurance requirements
    will also change. That means you may be able to drop extra coverage or you may be forced to buy more. But the state requirements are usually low and shouldn’t impact you too much.
To make sure you’re still getting the best insurance rate after the move, try
. Jerry can help you find and compare quotes from over 50 top providers for free. That way, you can get a good feel for your options before you settle.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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