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New Address Car Insurance Discount

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 26, 2021

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Key Takeaways

  • New address car insurance discounts are available to drivers with a change of home address to a lower-risk area
  • Although most companies don’t specifically have a new address discount, moving will still affect your rates
  • Moving can either increase or decrease your car insurance rates

Finding a cheap car insurance policy that is right for you is challenging but not impossible. Almost all car insurance companies offer a variety of discounts that can give you more affordable car insurance rates.

A new address car insurance discount is on this list and is offered by some companies to drivers that have a change of address. Below, we’ll briefly go over what you need to know about this car insurance discount.

Before learning more about the new address car insurance discount, enter your ZIP code into our free online tool for instant, affordable car insurance quotes in your area.

What is a new address car insurance discount?

Some car insurance companies offer a new address car insurance discount to drivers that change their home address to a lower-risk location. They are not common among most car insurance companies.

Before buying car insurance, the Insurance Information Institute suggests taking into consideration where you live and where your car will be parked. Location matters when purchasing car insurance and may reduce your monthly rates.

Some auto insurance companies offer lower rates to drivers that move into more suburban areas because these areas are less prone to theft or vandalism. This includes starting a new policy as well as changing your home address with an existing policy.

Taking advantage of a new address car insurance discount can be beneficial, especially if the car insurance rates in your state are higher than most.

Here’s a quick table of sample full coverage car insurance rates by state.

Average Car Insurance Rates for Full Coverage by State
StateAverage Annual Full Coverage RatesAverage Monthly Full Coverage Rates
District of Columbia$1,208.77$100.73
New Hampshire$795.50$66.29
New Jersey$1,379.20$114.93
New Mexico$920.42$76.70
New York$1,327.82$110.65
North Carolina$768.28$64.02
North Dakota$768.09$64.01
Rhode Island$1,257.40$104.78
South Carolina$936.69$78.06
South Dakota$744.28$62.02
West Virginia$1,032.45$86.04
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Knowing the auto insurance rates by state allows you to have a general idea of what to expect from car insurance companies in your area.

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What companies offer a new address car insurance discount?

Every car insurance company does not offer new address car insurance discounts. Only Liberty Mutual provides a new address car insurance discount out of some of the top car insurance companies.

All companies base rates on your location, and although it may not be listed as a discount, your rates might still go down when you move to a lower-risk area.

If you’re asking yourself, “why is my car insurance so high?” then it may be a good idea to take a look at where you live and other factors that may increase your insurance rates. It also helps to talk with your insurance agent about which discounts are offered and if you qualify for one.

Discounts benefit everyone, but especially those that are higher-risk. Although high-risk car insurance is an option, discounts help.

For the best rates, we recommend that you compare multiple car insurance companies and their policies. This will give you a good understanding of which companies offer what you need for an affordable price.

Want to see if you can get a lower rate at a new address? Enter your ZIP code into our free tool to compare car insurance quotes from companies in your area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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