There’s a lot to manage when planning a move to another state, from packing up your home to adjusting to a new state. Amidst it all, it’s easy to overlook your car insurance. However, updating your policy should be a priority.
Each state has its own coverage requirements, and failing to make the switch could lead to penalties or leave you underinsured. You can stay compliant with your new state’s laws by taking a few simple steps.
Steps to switch your car insurance to a new state
When you move to a new state, updating your car insurance is important to ensure you’re adequately covered and compliant with state laws.
- Research your new state’s requirements: Each state has its own minimum car insurance requirements. Visit the Department of Motor Vehicles (DMV) in your new state to understand the coverage limits and any additional requirements.
- Contact your current insurance company: Reach out to your insurer and let them know you’re moving. If they don’t offer coverage in your state, you’ll need to shop for a new insurance company.
- Compare quotes from multiple insurers: Even if your current company covers your new location, comparing rates from at least three to five insurers is smart. Rates vary by state due to different risk factors, so shopping around can help you find better coverage at a lower cost.
- Cancel your old policy: After your new policy is active, cancel your old one. Make sure you get written confirmation of the cancellation, and ask if you’re eligible for a refund on any unused premium.
- Update your vehicle registration and driver’s license: Most states require you to update your vehicle registration and driver’s license within 30 to 90 days of moving.
Your old state may require you to return your old plates. Check with the DMV in your old state for the complete process to avoid penalties.
How soon should I change my car insurance when moving to another state?
You should update your car insurance as soon as you move to another state, depending on the state’s requirements. Once you establish residency, you must register your car and get a new driver’s license. That means you’ll need to switch your insurance to a policy that meets your new state’s minimum coverage requirements.
Check your new state’s Department of Motor Vehicles (DMV) website for the car insurance and registration requirements. Most states give you 30 to 90 days to switch your insurance, update your driver’s license and register your vehicle. The state may fine you or issue other penalties if you don’t meet the deadline.
Can I keep my current insurance if I move out of state?
It depends on your insurance company and the state you’re moving to. You must update your policy to meet the new state’s coverage requirements, at a minimum. Some insurers operate nationwide and may allow you to transfer your policy.
To remain compliant, notify your insurer about your move as soon as possible. They’ll help you adjust your policy, or you might need to get a new one to match your new state’s minimum liability requirements.
What happens if I don’t update my insurance?
If you don’t update your car insurance after moving to a new state, you could face penalties such as fines, license suspension or even registration issues. Each state has its own insurance requirements, and driving with an out-of-state policy may be considered non-compliant.
Your insurer could also deny claims or cancel your policy if they find out you’ve moved and didn’t inform them. That’s why it’s essential to keep your current insurer in the loop and get a new car insurance policy when you move to another state to comply with the state’s laws.
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Final thoughts
Switching your car insurance when moving to a new state may seem like another task on your moving checklist, but you shouldn’t delay it. By comparing quotes and understanding your new state’s insurance requirements, you can ensure adequate coverage and might get lower insurance premiums.
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