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How Car Insurance Can Change From State to State


If you’re moving to another state, you need to consider your car insurance. Rates and requirements can change from state to state, and you need to know how.

There are many things to consider when moving from one state to another. Luckily, you can use this article as a starting point to understand how your vehicle insurance changes from state to state.

State Minimum Requirements

Every state has minimum requirements; for example, the minimum coverage you can get for property damage liability insurance in Florida is $10,000, meaning you may pay more than your current state while gaining more coverage. On the other hand, you could pay less for less coverage depending on the state you move to.

Punishments and Insurance

Every state controls its insurance laws and punishments for people who break those laws. This can drastically affect your insurance if you aren’t aware of these changes. For example, some states use the SR-22 system, which can massively affect your insurance rates and minimum requirements if you break the laws.

No-Fault States vs. At-Fault States

Most states in the country use one of two systems or a mix of the two: at-fault or no-fault states. There’s a lot to learn when understanding no-fault states; every party’s insurance company is responsible for paying for an accident, no matter who caused it. At-fault states are the opposite and require the provider of the person who caused the accident to pay for everything. This changes how insurance functions in that state and can influence the cost of your rates.

Help Relocating

If you’re trying to move to another state and don’t know what to do for your insurance, then you can reach out for help. Your best bet is to contact your insurance agent, as they can guide you through the process of moving to a new state and what that means for your insurance rates.

This is what you should know about moving to another state and how car insurance changes from state to state. It can be difficult to understand by yourself, but this guide will orient you so you know the next steps when moving.


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