Will my car insurance change if I move?

Your address is not paperwork. It is a rating factor. Texas's insurance department says rates are based on where a car is usually located. It says so while explaining a child away at school, and that sentence is where the rule is printed [1]. Its rate page lists where you live among the personal risk factors companies look at, together with the car you drive [2]. Both pages quoted here are Texas's, so another state's department may put it differently. So three things to do when you move. None of the three is written on either page as an instruction to you — the pages give the rating rule, and the steps are ours [1] [2]:

1. Tell the company the new address and the date. Rating follows where the car is usually kept [1], so the address on the policy is part of the price and not just paperwork. Neither page tells you to report it; your own policy says whether it must be reported and when. 2. Ask for the new premium before the move, if you can. That is our own step. Neither page quoted here tells you to do it. 3. Ask what else changed with it. TDI names the car you drive and where you live among the personal risk factors [2]. Whether your parking, your commute or a new state's required limits also move your price is a question for the company — the pages quoted here do not say.

One case worth naming: a move to another state. Neither page says whether that is a change of address or a new policy, so we do not state it either. Don't know yet — ask the company which it is treating yours as [1] [2].

What it costs. There is no official figure for what a move does to the price. TDI's auto guide says rates are based on where a car is usually located [1]. How much a move changes your own price is not in these sources: "Don't know yet".

Read the quoted pages at tdi.texas.gov, then check the address printed on your declarations page after the change.