How to Handle Auto Insurance When You’re Moving to a New State

Relocating to a new state is an exciting adventure, but it also comes with essential responsibilities—especially regarding auto insurance. Each state has unique insurance laws, so you must update your policy to ensure compliance and maintain coverage.

1. Understand Your New State’s Insurance Requirements

Every state has specific minimum requirements for auto insurance coverage. Common requirements include the following:

• Liability coverage for bodily injury and property damage

• Uninsured/underinsured motorist coverage

Research your new state’s requirements to determine if your current policy meets the necessary standards. If not, you’ll need to adjust your coverage accordingly.

2. Update Your Policy Promptly

Most states require updating your driver’s license and vehicle registration within a set time frame, often 30 to 60 days after establishing residency. Your auto insurance policy must reflect your new address before registering your vehicle. Notify your current insurer of your move; they may be able to update your policy or guide you toward securing a new one in your state.

3. Compare Insurance Rates

Insurance premiums vary by state, and your new ZIP code, driving history and other factors may also impact your rates. Take this opportunity to shop around and compare quotes from providers in your new state to find the best value and coverage.

4. Gather Required Documents

You’ll typically need the following to register your vehicle in your new state:

• Proof of insurance that meets state requirements

• Your vehicle’s title and current registration

• Your new state driver’s license

Check with your new state’s Department of Motor Vehicles (DMV) or equivalent to confirm the documentation required.

5. Cancel Your Old Policy

Once you’ve secured a policy in your new state, contact your previous insurer to cancel your old policy. Avoid any coverage gaps to stay legally protected during your transition.

Updating your auto insurance when moving is an essential step in settling into your new state. Taking care of it promptly ensures you can enjoy the road ahead with peace of mind. Contact Stella Insurance Agency today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.