Do I have to change my car insurance when I move?
You may have to change car insurance companies when you move out of state if your current provider does not sell insurance in the state that you're moving to. If you are staying in the same state, you will not have to change insurers. If you are moving out of state, check with your car insurance provider to ensure they offer coverage in your new state.
How is car insurance impacted when moving out of state?
If you're moving out of state, you'll need a new car insurance policy, even if you can stay with the same insurer. Your old policy will be canceled because every state has different coverage requirements and regulations. At Progressive, we have a team of representatives dedicated to handling your move quickly and seamlessly.
Your out-of-state move will also impact your car insurance rate. Rates are partially based on an area's claims history, so fewer thefts, break-ins, and accidents in your new area can result in lower rates and vice versa. Your insurer may also use your annual mileage and commuting distance to help determine your rate. If your new address shortens your commute, you might see a lower rate, but if you're driving more, you may see a rate increase.
Learn more about other car insurance cost factors.
What about moving in-state?
If you're staying in the same state, you don't need to get a new policy. Simply notify your car insurer of your new address. If you have a Progressive policy, you can update your address online or over the phone.
Like moving out of state, an in-state move will affect your car insurance rate, although the change will likely be smaller than an out-of-state move.
When do I notify my car insurance company about my move?
It's best to let your insurance company know right away. Once you know your moving date and new address, notify your insurer immediately. If you need to move suddenly, that's okay — just be sure to communicate that as soon as possible so you'll have the right coverage.
It's best to let your insurance company know right away.
A note about address verification
At Progressive, your address may need to be verified if the information on your credit report doesn't match the address on your quote or policy. You'll be asked to submit a recent paystub, license, W-2, or utility bill(s) to confirm your ZIP code. This is done to prevent insurance fraud and can often be resolved by contacting us.