Your insurance checklist after moving to a new state
Moving states requires updating every insurance policy you own — and rates can change dramatically.
What changes with your insurance
Moving to a new state requires updating every insurance policy you own, and premiums can change significantly in either direction. Auto insurance rates vary by more than 3x between the cheapest and most expensive states. Home insurance rates in Florida or Texas can be triple what you paid in Ohio or Wisconsin. Your auto policy must be updated within 30-90 days of establishing residence in your new state — exact timing depends on state law. If you are moving from a no-fault auto insurance state (like Michigan or Florida) to an at-fault state, your coverage structure changes substantially.
What you might be overpaying for
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Failing to update your address with your insurer
Insuring a California car while living in Nevada is fraud. Update your address within 30 days and your premium will adjust to reflect your new state.
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Not shopping when you move
Your current insurer may not have competitive rates in your new state. Get quotes from 3 insurers after your move.
Frequently asked questions
Frequently asked questions
This is an estimate for informational purposes only based on national and state averages. Actual rates vary by insurer and individual circumstances. For an accurate quote, contact a licensed insurance agent.
Relevant calculators
Auto Insurance Calculator
Estimate your new auto insurance rate in your destination state.
Use calculator →Home Insurance Calculator
See how homeowners insurance costs differ in your new state.
Use calculator →