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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Moving & Auto Insurance

If you are moving in from out of the country, you can use the Internet to find the insurance coverage you need. People who are coming from Canada may not need to have coverage in place for the day of arrival, but those moving in from other countries do.

Once you know how much coverage you need to have in place, you can start to shop around for the best rates you can arrange.

If you want to compare insurance quotes from many different auto insurance companies side by side then why not use our free tool? Just enter a US zip code into the tool above and get started finding the very best auto insurance!

Moving from Canada

If you have been living in Canada and are planning to move to the United States, your Canadian car insurance should cover you for a short time after arriving in the country. It’s a good idea to check with your insurance company to find out what the grace period is for arranging new coverage.

Even though you will have coverage for a time after you move, it’s a good idea to do your homework about how much insurance you will need to buy for your new home before the move.

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Find Out About Minimum Levels of Coverage

Whether you are moving from Canada or another country, you will need to find out what the minimum level of coverage requirement is for the state where you will be living.

Each state has its own requirements for minimum coverage levels. In some parts of the country, you will only need to have liability insurance (bodily injury and property damage) in place, while other jurisdictions require you to buy uninsured/underinsured coverage and personal injury protection insurance as well.

To find out the minimum levels of coverage for a particular state, contact the Department of Insurance for that location. You can also look online to find this information; it is posted on several web sites.

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Shop Around for Coverage

The next step in the process is to shop around for your coverage. Each car insurance company uses its own criteria for setting rates, and the pricing can vary greatly between providers. By taking some time to find coverage before the move, you will be able to get on the road more quickly after you arrive in your new home. You won’t be able to register your vehicle in the U.S. without having proof of insurance.

The insurance company will want to know some basic information about you and your car before issuing a quote for coverage. You will be asked for your name, age and marital status. The insurer will also need to know what make and model of car you drive, since newer and more expensive vehicles tend to be more expensive to insure.

Your driving record is an important piece of information as well. The insurance company will consider your past conduct on the road as a way to predict how you will behave behind the wheel in the future. If you have a good record, the insurance company will be more likely to quote you a lower price for your coverage than someone who has been involved in one or more accidents.

Since you will be new to the country, you won’t have a credit history in the U.S. for the insurance company to check. Not all companies consider this information, though, and with a bit of digging you can find some that don’t consider this portion of an applicant’s record when making decisions about coverage.

Not having a credit history in the United States may mean paying higher rates for your car insurance coverage, at least for some time after you arrive. Once you have been in the country for a while and you have established a credit history, you may be able to get lower rates for your car insurance coverage.

Once you have quotes for car insurance in hand, you can start to consider each one. Be sure that you research the company issuing the quote to make sure that it is a stable one and that it has the means to pay out on a large claim if you ever needed to make one. Independent auditors like A.M. Best and Standard & Poor’s provided graded ratings on the financial stability of insurance companies in the US.

When you are making plans to move from a different country to the United States, be sure to add looking for car insurance to your list of things to do. The Internet makes it easy for you to find the coverage you need and have it put in place for the time you are planning to arrive. Why don’t you start the process right now by using a free auto insurance quote tool?