Can Moving Raise My Car Insurance Rate?

Moving Can Affect Car Insurance. Getty Images/Hero Images

Yes, your car insurance can go up for the sole reason of moving. Insurance rates are highly sensitive to all sorts of variables. Moving can be directly linked to an increase in car insurance rates in many cases. Moving to a more populated area, a denser deer population, or moving to a new state can all trigger rate increases. 

In direct contrast to rates going up, they can also go down for the same reasons.

Move to a better area, or moving out of a high priced auto insurance state can leave you with big savings. As long as you are staying within the same state, you can call your current insurance carrier and request a quote for your new address in advance. It is the best way find out about an increase in advance. Moving out of state? Then you will need to start getting quotes from your new state to see what you will be looking at price wise.

Other Possible Reasons for a Car Insurance Rate Increase

  • Traffic Violations
  • Filing a Claim
  • Insurance Carrier Across the Board Increase for All Policy Holders
  • Increase in State Fees
  • Adding a Driver
  • Increasing Coverage
  • Aging Drivers

What Can You Do About a Rate Increase?

Regardless of the reason your car insurance rates have increased, you should start thinking of ways to save. Or better yet, get your agent thinking of ways you can save. That is what you pay an agent for, good advice.


  • Review Your Discounts: Discounts can become available or overlooked. It never hurts to double check possible discounts.
  • Evaluate Your Coverage: Aging cars should be reviewed for possible changes in coverage. Also things like kids growing up or your savings account allowing for more risk could lead to coverage change. Remember higher deductibles reduce the cost of car insurance.
  • Shop For Quotes: Moving is a great time to shop for lower car insurance rates. Get three or more quotes to compare. It is important to quote coverage as similarly as possible in order to see which policy costs the least.

A car insurance rate increase due to moving is usually not substantial enough to make you not move. It can still be a concern and it is definitely something to think about. Just because car insurance can be frustrating, does not mean you can go without it.