How to switch car insurance from state to state

While you don’t have to switch auto insurance when you move out of state, it often makes sense for drivers to make the switch. insurance agents are often licensed in only one state, and different states have different laws about insurance coverage.

If you plan to move to another state, you will generally have up to 90 days to register your car in your new home. however, you should make sure your auto insurance policy covers you as soon as you arrive. If you plan to change auto insurance companies when you move, here’s how to do it.

call your insurance agent

the scale recommends starting this process by calling your current insurance company. the agent will be able to tell you if they offer insurance in your new state. They can also provide information about any changes in coverage costs associated with relocation. If you need to work with a new agent in your new state, your current agent should be able to refer you to the right person.

check with your new status

Check your new state’s Department of Motor Vehicles website for auto insurance and registration requirements. you will usually have at least a month and often up to 90 days to get your new documents. According to valuepenguin, failure to transition your driver’s license, car insurance, and vehicle registration during this period can result in fines.

You may be able to stay with your insurance provider if the company provides services in your new state of residence. By doing so, you could keep your existing loyalty discounts and avoid the hassle of switching insurance companies while you’re in the middle of an interstate move. however, remember that the cost of your policy may change based on your new geographic area, your new commute, and other factors. Don’t forget to look for quotes from small, independent insurance companies that operate only in your new state; they often offer impressive rates.

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If you go from at-fault to no-fault status for auto insurance purposes, you’ll likely pay higher premiums. these states often require additional forms of coverage, which fall into four main categories:


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