Does My Auto Insurance Go Up If I Move?

In short, yes. Insurance companies rate each area in your state by zip code. They look at all the risk factors in your area such as number of highways, population density, crime and the severity as well as number of accidents that would increase your chances of a collision or theft.

So you can imagine if you live in a big city your insurance rates will be higher than those who live in a smaller rural area. Even if you move as close as 6 miles toward the busier part of town your premiums will likely go up.

If you are planning on moving, it’s a good idea to give your insurance company a call to ask them how much your rates would be if they we’re calculated from the new address. This will help give you a better understanding of what your costs will be when you decide to move downtown.

Another thing you could is use our site to compare rates across different companies, making sure you input your new address to see which insurance company will give you the lowest rate. You can do a free quote by going here.