Yes, car insurance varies by state. Most states require a minimum amount of liability insurance. They may even require other specific types of coverages and minimum coverage limits to be on your policy. If you plan on moving to a new state, you'll need to make sure your policy is written with the coverages and limits that you need.

We get it. Getting ready for a big move to another state is exciting — and stressful. On top of all the packing, renting a truck and other moving musts, you’ve got your car insurance to think about. We’re here to help. We’ve highlighted how to navigate the process of registering your car and transferring car insurance to another state. This article can help you make your move with one fewer item on your to-do list.

How long do I have to switch car insurance when I move?

It’s important to verify your exact timeline with your current insurance provider. However, you'll typically have 30 to 90 days to switch your car insurance when you move to a new state. While you can — and should — plan ahead, you don't want to cancel your current policy until the move is made. Watch this video and follow these steps to prepare for switching car insurance to another state.

How do I switch car insurance when moving out of state?

Once you settle into your new home in a new state, it’s time to update your insurance. This list of steps can show you how to switch.

Gather Your Documents

Make sure all your important documents are readily available. That way, you’re not searching through boxes later. Use a portable safe or another form of secure storage to transport them.

Call Your Insurance Agent

Let them know you’re moving and ask about your coverage options in your new home state.

Get a Quote

It’s possible that your current insurance won’t apply in your new state. If so, you’ll need to start shopping for a new policy that does.

Do I have to change my car registration if I move to another state?

Yes. Your car registration must match the location of your home. If you move to another state, take the following steps to update this important documentation.

Visit the DMV

Go to your new state’s DMV, either online or in person, to find registration prices and forms. Fill out the requested paperwork and pay the fees.

Get a New Driver’s License

When you move, you’ll also need to apply for a new driver’s license. While you’re working with the DMV, ask about the grace period and take care of this process as well.

Hang Onto Your Registration

Keep a copy in your vehicle. Also, make sure to swap your old license plate for the new one you receive in the mail.

Can I keep my car insurance if I move to another state?

Car insurance providers often operate in multiple states throughout the U.S. Your current one may provide coverage in your new home state. Check with your insurance agent before you make the move. If your current insurance company doesn’t, you’ll need to purchase new coverage when your move is complete. If it does, you can take your insurance with you.

Some states have different insurance requirements than others. These differences may cause your premiums to rise. Be sure to ask your agent if any changes will be made to your coverage. Keep the following tips in mind as well.

Hang Onto Your Current Insurance for Now

Don’t cancel your current auto insurance policy until you have a new one ready to activate.

Compare Quotes

Make sure you’re getting the best deal by shopping for multiple insurance companies’ options.

Purchase Your New Insurance

Once you’ve decided on the right auto insurance, go ahead and purchase it.

Immediately Call Your Old Insurance Agent or Company

Once you’ve activated your new policy, cancel your old car insurance coverage. Make sure that its end date aligns with the effective date of your new policy.

Can I insure a car in a state other than where I live?

Generally, no. The vehicle must be registered where you live, so the insurance policy must be from that state.

What if I work or go to school in a different state than where I live?

You’ll usually keep insuring your vehicle in the state where it’s registered. For example, a Wisconsin resident attending university in Minnesota will still have a primary residence in Wisconsin. Their insurance would stay in Wisconsin. That may need to change if they choose to have a more permanent residence in Minnesota. This is how we handle it at American Family, and other insurers may do it differently.

What if I have homes in two different states?

Generally, a vehicle can’t be registered in two states at once. That means it should be insured in the state where it’s registered.

What if I’m only traveling out of state temporarily?

It may vary depending on the insurer and the policy. American Family Insurance policies may cover events that occur within the United States, plus territories and possessions, and Canada. Ask an agent about how exactly your policy covers you while out of state.

Get Insurance to Match Your Living Situation

Moving to a new state will almost certainly keep you busy, both before and after you arrive. As part of the process, you must take care to update your insurance as needed. Connect with your American Family Insurance agent to make sure your car insurance coverage complies with your new state’s requirements.

This article is for informational purposes only and based on information that is widely available. We believe this information is accurate but do not make any guarantees or promise any results based on this information.