PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Why do rates change between states?
I'm currently insured with Allstate in Texas. I'm moving to Louisiana at the end of the month. I've noticed that my insurance rates are significantly higher with my new address—I'm still the same person with the same personal background, so this doesn't make sense to me. Why was there a change?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Moving is a huge life change that can impact you beyond an address change!
Insurance rates can change between states due to insurance regulations and the
minimum amount of car insurance required
. Each state has its own required amount of insurance. If you’re moving to a different state, you may need to raise your insurance coverage to meet that state’s minimum requirements, which can often cause a rate increase.Car insurance
is not federally regulated, meaning every state’s Department of Insurance sets its own rules and regulations. Your personal information also still impacts your rate, even if you stay with the same insurance company. The new address you move to may have a higher claim or accident rate. If so, you’ll see an increase in your insurance costs.
To determine whether you’re paying a fair amount for insurance, you can look at the
average cost of car insurance
. If you are paying more than the average, it may be worth looking into other companies using your new address.Insurance shopping can be time-consuming and frustrating, though, especially if you’re moving on top of everything else. If you want to compare rates quickly and easily, check out
Jerry
. We’ll get you multiple customized quotes from top insurance providers so that you can choose the best price for the coverage you need, saving you time and money.Enjoy your new home!”
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
