Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 14, 2022

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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

In a nutshell...

  • A few states may require uninsured motorist coverage, underinsured motorist coverage, or no-fault insurance coverage
  • Car insurance premiums are determined by risk
  • Most states require at least liability insurance for bodily injury and property damage

Moving car insurance between states is fairly easy, but there are steps you need to take to avoid any lapse in coverage and maintain affordable premiums.

First, you need to notify your car insurance carrier before moving and inquire about their policy offering in your new home state.

If they are licensed in your new state, they will need to adjust your premiums and policies.

Even if your insurance company is licensed in your new state, they are not required to pay an accident claim if you fail to notify them of your move.

Enter your zip code above to get FREE car insurance quotes today!

Why do my premiums or coverage change when I move to a new state?

Different states have different car insurance requirements, and various laws affect the cost of auto insurance depending on where you live.

Drivers who only carry a minimal amount of car insurance coverage often see the most significant change when moving states, especially walking somewhere the legal requirements are higher.

Car insurance premiums are determined by risk, and sometimes a state has a higher risk associated with it than another one, based on statistical analysis.

If you’re moving to a higher-risk state, your premium will go up accordingly.

When assets change, the level of insurance often needs to change, too, to make sure those assets are protected.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

Which states have the cheapest car insurance?

It’s hard to compare apples and apples with auto insurance costs by the state because it is dependent on so many factors.

Things like the type of vehicle insured, the unique driving history of the applicant, and available discounts.

However, it is possible to estimate at least which states are at the high and low ends of the range.

The states that tend to offer lower car insurance rates are:

  • Maine
  • Vermont
  • Ohio
  • Wisconsin
  • New Hampshire
  • Iowa
  • Massachusetts

Incidentally, the states that tend to charge more for auto insurance are:

  • Louisiana
  • Michigan
  • Oklahoma
  • Montana
  • California
  • South Dakota
  • Washington D.C.
  • Georgia

Does my car insurance cover me if I drive in a different state?

In just about all cases, the answer is yes; your auto insurance coverage is excellent in all 50 states. However, there are some things to keep in mind.

The minimum driving age varies from state to state, so while it may be legal to have your 15-year-old drive with a learner’s permit in your home state, they may not be legal to drive in the country next door.

If the driver is not technically legal to drive in another state, the insurance could be nullified. Even if the insurance does pay, there will probably be some fines from local law enforcement.

In other words, if you do $15,000 worth of damage and you only have $10,000 liability coverage, you are going to end up paying $5,000.

Do all states have an auto insurance requirement?

At this time, all states do require auto insurance, but the specific types and levels vary from state to state.

Most states require at least liability insurance for bodily injury and property damage, but the minimum coverage amounts vary considerably.

In most cases, the crime is a misdemeanor with a fine attached, but the punishment varies quite a bit, depending on the state and the circumstances.

Some states might also penalize a motorist who doesn’t meet their insurance requirements with the suspension of their driver’s license or even jail time.

Enter your zip code below to get FREE car insurance quotes today!