How to Save on Car Insurance When Moving Out of State

family moving homesIf you’re moving to a new state, you’ll want to explore the impact the new address will have on your current car insurance policy. Registering and insuring a car in your new home state is not only required by the law, but it’s also an opportune time to make sure you’re getting the best rate possible for the coverage you need.

Steps to Finding the Best Car Insurance When Moving Out of State

Follow this checklist when moving somewhere new to make sure your auto insurance is compliant and that you find the best deal possible:

  1. Know the deadlines: On moving day, it’s critical to find out how much time you can legally drive in your new state before needing to register and insure your car. The timeline is usually about 30 days, but you’ll want to check with the local department of motor vehicles. Even if the move is temporary or it involves a student who still lives in his or her home state during the summer, you’re going to need to at least update the insurance policy.
  2. Learn the policy differences: There are several areas in which minimum insurance coverage can vary from state to state, from whether you’re in a no-fault vs. a fault state to the minimum liability coverage needed.
  3. Register your vehicle: Some states require that you already have your new insurance policy established before registering your car in a new state. That said, some insurance companies may require your car to be registered in the new state.  You’ll need to register your vehicle and get new license plates – by stopping in a DMV or managing the process online – within the designated timeframe discussed above. One more thing: be sure to check in with your old state to see how you’re required to dispose of old license plates, whether you need to mail them out, are free to recycle them or need to take another course of action.
  4. Purchase a new policy: You’ve done your homework, so rest assured that your research and comparison shopping has yielded you the strongest, most competitively priced car insurance policy. It’s important to establish a new policy before canceling your current auto insurance plan. Usually, you can make the transition fairly seamless so that you’re only paying one premium.
  5. Cancel your old car insurance policy: And feel good about moving on.

Why Moving to a New Home is the Best Time to Compare Car Insurance Quotes

While many U.S. drivers embrace a move as an ideal time to shop around for new policies – particularly because any given auto insurance company may offer more or less competitive rates depending on the state – others simply check to see if their current company can cover them in their new home state. But since you need to get a new policy anyways, why not compare prices from multiple companies? It’s quick, easy and the cost savings can help to offset all the other costs associated with a big move.

4 More Reasons to Review Your Insurance Policy on Moving Day

  1. Your Credit Score Matters: Major life changes, like buying a house, can affect your credit score. Your current car insurance company probably won’t lower your price if your credit score has improved, but another company might offer you a better one.
  2. You Can Switch Auto Insurance Companies at Any Time: You might think you must wait until your policy expires to switch to a new company, but you can switch whenever you’d like. Your current company is obligated to refund any remaining premium.
  3. Now Would be a Good Time to Save Cash: You’ve just spent a lot of money on the move, from movers and trucks to new furniture and down payments. Now would be a good time to save some money, especially on a bill you probably are never excited to pay.
  4. There Are Hundreds of Insurance Companies to Pick From: There are over 300 insurance companies in the United States. Odds are, your current company isn’t the cheapest. The best way to find the company with the right coverage at the right price for you is to compare prices at

We can compare up to 100 insurance brands at once, to provide you with custom, locked-in quotes from leading insurance companies. Plus, it’s free.

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