Why did my auto insurance rate change when I moved from Arizona to Alabama?

When I changed my address with State Farm, my rate increased significantly. They said it was because I didn't have enough coverage on my 2014 Dodge Dart. I'm 24, have a clean record, and am expected to pay $300 a month. Did I get ripped off or is this common?

Answer provided by
Emily Maracle
Answered on Apr 30, 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.
“Every state has a minimum amount of coverage required to legally operate a vehicle on the road. Alabama has higher minimums than Arizona, which is why you most likely saw a rate increase.
Beyond this, there are a variety of factors that influence rates with car insurance carriers. While you may have found affordable coverage with State Farm in Arizona, moving could have changed how they rate your policy.
You should check what the average cost of car insurance is for your state. If you’re currently paying more than that, it may be time to shop around. By shopping around, you can be sure you’re paying the best price for the coverage you need. “

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