Auto Insurance and Moving to Another State

Wondering about auto insurance and moving to another state? Changing car insurance when moving out of state is only necessary after you’ve completed your move. Make sure your out-of-state insurance is acceptable in your new state. You will typically have 30 to 90 days to change auto insurance when you move states.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Feb 9, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • If you move to another state, you may have to change your car insurance.
  • Do not cancel your existing car insurance policy before you move.
  • When moving to another state, you will need to know your new ZIP code to obtain an accurate quote.

If you’re moving to another state, you may be wondering “do I have to change car insurance when I move states?” or “Can my car be registered in one state and insured in another?”

Learn the deal with auto insurance and moving to another state. In this article, we’ll be answering these questions and more so that you’ll know how to switch car insurance when moving to another state.

Before we get started, use our free comparison tool above to find affordable auto insurance rates in your area today. If you are ready to buy auto insurance, enter your ZIP code to begin.

Do you have to change auto insurance when you move states?

Since many car insurance companies operate in multiple states, it is possible that you may not have to change your car insurance policy as long as the auto insurance company you use operates in your new state.

However, every state has different minimum coverage requirements, and more often than not you will have to update your policy to meet your new state’s requirements or find a new company altogether.

When switching car insurance, you should also look at any discounts you can earn by bundling policies, such as car insurance and home insurance. This can lead to massive savings.

It’s very important that you do not cancel your existing policy before moving to another state as this could lead to a lapse in coverage which could lead to fines and make it harder for you to get insured in the future.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

How long do I have to change my auto insurance after moving?

Typically, you will have 30 to 90 days to update your car insurance when moving to a new state.

You will also have to update your car registration when moving to another state and you will typically have 30 to 90 days to do this as well.

Be prepared by making sure you have all the necessary documents and your new ZIP code on hand so you can find affordable car insurance quotes in your new area.

Can my car be registered in one state and insured in another?

Unfortunately, the answer to this question is a firm no. You can not live in one state and have a car registered in another.

Your car must be registered and insured in your state of legal residence. Insuring your car in a state where you don’t live is fraud and you can face steep fines and have your policy canceled if found out.

However, if you are wondering about temporary move out-of-state auto insurance, you shouldn’t worry about it.

If you are temporarily moving to another state for a few months for work, you are not required to register your vehicle in that state and do not have to change your car insurance.

If you are a student and you are going to school in a different state, you are also considered a temporary resident and do not have to change your car insurance from your home state.

Whatever you do, do not drive without insurance. The Insurance Information Institute reports that one in eight drivers are uninsured. Not only is driving uninsured illegal, but if caught you could face hefty fines and even jail time.

Now that you know all about auto insurance and moving to another state, check out our free comparison tool below and find auto insurance quotes in your new area. Just enter your ZIP code to begin.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption