{"id":12220,"date":"2024-12-19T11:16:07","date_gmt":"2024-12-19T17:16:07","guid":{"rendered":"https:\/\/guaranteedrate.wpengine.com\/insurance\/?p=12220"},"modified":"2025-08-13T13:12:33","modified_gmt":"2025-08-13T18:12:33","slug":"managing-car-insurance-during-a-move","status":"publish","type":"post","link":"https:\/\/www.rate.com\/insurance\/resources\/managing-car-insurance-during-a-move\/","title":{"rendered":"Managing Car Insurance During a Move"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Moving soon? Here\u2019s how to manage your car insurance transition<\/strong><\/h2>\n\n\n\n<p>Moving requires a lot of organization and planning. Along with your many other packing tasks and accumulating good moving boxes, you should add updating your car insurance to your to-do list.<\/p>\n\n\n\n<p>Car insurance rates are based on a variety of factors, and where you live is an important one\u2014so, right off the bat, one reason you\u2019ll need to update your insurance is that where you live has an impact on your premium rates.<\/p>\n\n\n\n<p>Ideally, you want to start the process of adjusting your car insurance before you actually move in order to have the easiest possible transition of your insurance coverage. If you start the process early, even before you\u2019ve settled on a place to live, you will have the most control over the potential for changing premium rates.<\/p>\n\n\n\t<div class=\"block-cta-blog my-4 \">\n\t\t<div class=\"cta-blog_copy\">\n\t\t\t<p>See how you could save on insurance<\/p>\n\t\t\t\t\t\t\t<p class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/quote.rateins.com\/auto?utm_source=blog&#038;utm_medium=website&#038;utm_campaign=blog&#038;utm_content=cta\" class=\"btn btn-sm btn-primary\" >Get Your Free Quote<\/a>\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>In-state versus out-of-state moves<\/strong><\/h2>\n\n\n\n<p>Insurance is regulated at the state level. State regulators set the rules for how insurers can operate in each state, shaping how rates are set and the process to change them, along with establishing rules on what factors can and cannot be used when determining premiums. For instance, some states do not allow insurers to use an individual\u2019s credit rating as a factor.<\/p>\n\n\n\n<p>Other variables include crime rates and traffic density, common to urban areas, and the frequency of wildlife collisions and traveling over long distances, which are more common to rural areas. Some states require drivers to carry more personal injury coverage; some require more uninsured or underinsured motorist coverage. The impact of some natural disasters\u2014particularly hail, which can destroy a car\u2014will also likely factor into your rates.<\/p>\n\n\n\n<p>This dramatic variation from state to state, along with differences in risks, means that not all insurers operate in every state. So, if you are moving to another state, your current carrier may not be available in your new location.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Out of state moves<\/strong><\/h3>\n\n\n\n<p>These differences also mean that even if your current insurer is available in your new state of residence, your coverage options might be different. This could affect your rates\u2014or, it could no longer be the right coverage for your situation.<\/p>\n\n\n\n<p>Either way, it\u2019s important to investigate the differences sooner rather than later\u2014and you should never assume that it is guaranteed that you\u2019ll be able to stick with the same insurance company if you are moving out of state.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>In-state moves<\/strong><\/h3>\n\n\n\n<p>An in-state move makes it more likely that you\u2019ll be able to remain with your carrier. You are still required to update your information and provide your new address to your insurance company\u2014and your rates could go up or down.<\/p>\n\n\n\n<p>If your new neighborhood has a lower incidence of accidents and a lower crime rate, your premiums could be lower. On the other hand, if your move makes your daily commute longer your rates could go up.<\/p>\n\n\n\n<p>Another good thing about starting this process early\u2014if you think you know where you want to move to, you can call your insurance company and talk to them about how relocating might impact your car insurance rates. Discovering that you might be paying substantially higher premiums before you sign a lease or mortgage means that you could potentially adjust your search area.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Do I get a grace period to change my address?<\/strong><\/h2>\n\n\n\n<p>If you are moving within a state, many insurers offer a grace period to update your address. The length of this grace period will likely vary between one insurer and another, so it\u2019s important to ask rather than assume. Get your information updated as soon as possible after your move.<\/p>\n\n\n\n<p>Don\u2019t delay updating your address because you think your rates will likely go up\u2014that is called rate evasion.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is rate evasion?<\/strong><\/h2>\n\n\n\n<p>Rate evasion is a form of insurance fraud, and can really get you in a lot of trouble with your insurer. If you don\u2019t tell your insurer that you\u2019ve moved in an effort to avoid a premium increase, that\u2019s rate evasion.<\/p>\n\n\n\n<p>Providing false information to your insurer about where you live, where your vehicle is housed, or misrepresenting your mileage\u2014these are all examples of fraud, and if discovered your insurer will likely drop you.<\/p>\n\n\n\n<p>It will also be harder and more expensive for you to get coverage in the future. The reason for being dropped will be recorded and that information is made available to other insurers when you go to get insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Bundled insurance<\/strong><\/h2>\n\n\n\n<p>If you have bundled insurance, with your home and auto coverage under the same insurer, it is really important to talk to your insurance company before you move to another state.<\/p>\n\n\n\n<p>When you move, your old policies are canceled and you have entirely new policies written that conform to your new location\u2019s insurance regulations and requirements. In some situations, that might mean very different policies.<\/p>\n\n\n\n<p>Sometimes, an insurer that writes policies for both home and auto in one state may only provide one or the other in your new state, which means you might lose your bundled rate. Starting your research as soon as you know you\u2019ll be moving is advised, so you can find the best coverage for your situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Talk to the experts<\/strong><\/h2>\n\n\n\n<p>The simplest way to get all of your questions answered about managing car insurance policies when you move is to <a href=\"https:\/\/guaranteedrate.wpengine.com\/insurance\" data-type=\"link\" data-id=\"https:\/\/guaranteedrate.wpengine.com\/insurance\">call the experts<\/a> at Rate Insurance.<\/p>\n\n\n\n<p>Whether you\u2019re looking at a move across town or from the East Coast to the West Coast, they can help you to navigate the insurance process. With access to hundreds of insurance companies, they will find the right car insurance policy for your changed situation and needs.<\/p>\n\n\n\t<div class=\"block-cta-blog my-4 \">\n\t\t<div class=\"cta-blog_copy\">\n\t\t\t<p>Start saving on insurance<\/p>\n\t\t\t\t\t\t\t<p class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/quote.rateins.com\/auto?utm_source=blog&#038;utm_medium=website&#038;utm_campaign=blog&#038;utm_content=cta\" class=\"btn btn-sm btn-primary\" >Get Your Free Quote<\/a>\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\n<p><em>Disclaimer: <\/em><\/p>\n\n\n\n<p><em>All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Rate Insurance does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Rate Insurance. Rate Insurance, its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Moving to a new location means more than just packing boxes\u2014it&#8217;s time to update your car insurance too. Where you live plays a big role in determining your premiums, so it\u2019s crucial to adjust your coverage before, or as soon as, you move.<\/p>\n","protected":false},"author":20,"featured_media":12221,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"categories":[16],"tags":[39],"class_list":["post-12220","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto","tag-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Managing Car Insurance During a Move | Rate.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rate.com\/insurance\/resources\/managing-car-insurance-during-a-move\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Managing Car Insurance During a Move | Rate.com\" \/>\n<meta property=\"og:description\" content=\"Moving to a new location means more than just packing boxes\u2014it&#039;s time to update your car insurance too. 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