Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Car Insurance Rates

No, you typically can not buy auto insurance before you have moved to the state where you are going to live. You can however, start shopping around for it, especially if you have the address of where you will be living.

Essentially, you must be insured in the place where you are currently living. If you are in the process of moving, your existing car insurance will cover you until you get to your new state and transfer your coverage and registration there.

Read on to learn some of the specific things that you need to know when buying car insurance and moving to a new state and then be sure to enter your zip above to get free insurance rates!

Differences Between State Laws

In the United States, car insurance is required in almost all states. Where it is not required, you must prove financial responsibility, which often means purchasing car insurance in order to do so. Each state has its own set of guidelines concerning minimum amounts of coverage that must be carried by its residents. If you do not have the coverage required by the state in which you are living you may find yourself in trouble, facing fines or other types of penalties.

If you are about to move, it is a good idea to be sure that your auto insurance policy meets the minimum amount of coverage required by the state you are moving to. This will help you to avoid any fines or other penalties should you be stopped or involved in an accident in the new state before you have time to get a new policy.

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What to Do Before You Move

Prior to moving you need to arm yourself with certain information. Contact your present insurance company to find out the guidelines concerning coverage following your move. There will be a limited amount of time when you will be covered by the old state’s policy once you have taken up residence in the new state, especially if your present insurer does not sell insurance where you are moving.

Since your insurance is partly based on the demographics and risks of where you live, not letting your insurer know of your move is not an option. Your insurer could have grounds to refuse a claim if you incurred a loss after moving, especially if a reasonable amount of time has passed for you to have made the necessary insurance changes.

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Tell your insurance company when you will move. Make sure that you also give them your new address. If they sell coverage in the state you are moving to, they are likely to just make the necessary changes to your premium based on your new address and that state’s requirements.

Contact the department of motor vehicles in the new state you are moving to so that you know exactly how long you have before you must transfer your registration there. You will likely need insurance in that state before changing your registration. By knowing what to expect, you will best be able to plan for it and take care of such things in a timely manner.

Buying Auto Insurance When You are Moving

A number of car insurance providers in the United States are licensed to sell coverage many states. Therefore, if you have a policy already, it may be simply a matter of contacting your insurer, giving him the details of your move and making the necessary changes to your existing policy. However, there are some companies that do not write policies everywhere, so you may need to buy a completely new policy.

Even if your present company provides coverage in the state you are moving to, you should get a variety of quotes from different insurers serving that new area. Your present company may not prove to be competitive in the new market. As every insurance company has somewhat different guidelines and rates, by shopping around you are likely to find a better price than the one you have with your present company.

Free online quote tools make it easier than ever to shop around. You can do so before you move, within the grace period for changing coverage after your move, or even while you are en route to your new address. Simply input your new zip code into the quote tool to get started. You will then be asked a series of questions about your vehicles, the drivers in your home and the types of coverage you are looking for.

The tool submits your information to companies serving the area you are moving to and you start getting all the insurance quotes you need. Compare and contrast the price quotes you get, and check out the companies that offer good prices before taking out that new policy.

It pays to shop around for new insurance when moving. Get started today by letting our free auto insurance comparison tool do it for you. Enter your zip now!