Why Did My Car Insurance Go Up When I Moved?

Why did my car insurance go up when I moved?

Moving can be exciting and yet stressful. There are countless little expenses you’ll have to contend with, and you may even be faced with changes to your insurance premiums.

If you don’t know which states have the cheapest auto insurance rates, you may be shocked by the change in fees. In some cases, just moving one town over can result in higher fees, so it’s important to talk with your company ahead of time so that you’ll know what to expect.

This issue usually arises after you move away from home. After all, you have a new address, new coworkers, new colleagues, new local traffic, and new expenses.

You may have missed a mail delivery, or the signal may have changed. Perhaps you had a local call, and now that you have cell phones, your local charges are higher.

Sometimes, you’ll even see your premiums increase after a theft. After you get back from an extended weekend and return home, you’re shocked to see your car insurance bill come in significantly higher than it was before your trip.

Of course, the best way to figure out why your insurance is costing more is to contact your insurance agent and ask.

What is the average cost of car insurance in each state?

To help you keep track of your savings and current rates, there are online tools that can help you figure out what a person with the same driver’s license location, gender, and driving record would pay. But we can’t predict exactly what you’ll pay since rates can vary by person, make, model, and year. So the best thing to do is look at what your coworkers or neighbors are paying.

Once you have a car insurance policy, you’ll get your premium statement in the mail in a few weeks. In the summary of benefits, it will show your premium amount, your deductibles, and your out-of-pocket costs.

How to get the best car insurance rates

There are a few steps you can take to improve your chances of getting lower car insurance rates.

Shop for the right insurance company

It’s always best to shop around to find the right insurance company. Ask friends and family members to recommend their own companies, and also go online to see what insurance companies they recommend.

There are websites such as insurancequotes.com that allow you to compare multiple insurance companies and see which one offers the lowest rates. Be sure to read the fine print and look at their membership in state or national organizations, such as AAA.

It may take some time to find the right company for you, but the effort will pay off when you get lower car insurance rates.


When looking for the best car insurance companies, be sure to consider factors such as cost of the vehicle, length of coverage, and the number of claims made per year. Don’t let your rates skyrocket because you moved a few miles down the road.

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