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How Moving Can Affect Car Insurance Rates


Moving can affect car insurance rates by increasing or decreasing them, depending on your new zip code. This is because a new home address means a new environment where claims may be higher or lower and new commuting distances.

If you move to another state, you may need a new car insurance provider and policy. Even if you stay in the same state, your miles traveled and more importantly, your location will change.

Miles traveled

Your new home may put you closer or further away from your job, which can decrease or increase your commuting distance. This is a significant change in driving patterns which is a factor car insurance companies use to price your car insurance.


Where you live has a big impact on your car insurance rates. Insurance providers check the claims history in your neighborhood when pricing your car insurance.

In your zip code, events that can increase your car insurance are:

  • Stolen cars
  • Insurance fraud
  • Vandalism

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