If you're moving from Arizona to Texas, you should consider the consequences for your car insurance.
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If you’re moving from Arizona to Texas, you are probably paying attention to the major concerns and big expenses: finding a reliable long-haul moving service, getting an abode in your new state, and physically moving across state lines.
With so many moving parts, it can be easy to forget the details. Auto insurance is often treated as a detail, but it's an important one. To find a good deal and stay street legal, you’ll need to update your policy — or purchase a new policy — when you move from one state to another.
Check out our guide to auto insurance in Arizona and Texas and plan accordingly. We'll cover:
Expect to pay more for car insurance in your new home. The typical annual car insurance rate in Texas is $768 more expensive than the average expense in Arizona. Keep in mind this cost depends on your coverage level, driving and insurance history, and your auto insurance company.
| Location | Average Annual Rate |
| Arizona | $1,357 |
| Texas | $2,125 |
How much you shell out for car insurance depends on how you use your vehicle and how much protection you want from your insurer.
With state minimum liability car insurance coverage, you will most likely carry bodily injury, property damage liability, and medical payment coverages, in addition to uninsured and underinsured driver coverage and personal injury protection (PIP) in certain states.
| Location | Period | Rate |
| Arizona | Annual | $513 |
| Texas | Annual | $782 |
| Arizona | 6-Month | $257 |
| Texas | 6-Month | $391 |
| Arizona | Monthly | $43 |
| Texas | Monthly | $65 |
Upgrading to full-coverage auto insurance incurs further costs, but you’ll get the peace of mind that comes with collision and comprehensive coverages, along with rental reimbursement and roadside assistance protection. The primary benefit of full coverage auto insurance is that it insures you and your car more comprehensively than does minimum liability coverage. If you want to do everything possible to protect your investment, full coverage is recommended.
| Location | Time Period | Rate |
| Arizona | Annual | $1,263 |
| Texas | Annual | $2,120 |
| Arizona | 6-Month | $632 |
| Texas | 6-Month | $1,060 |
| Arizona | Monthly | $105 |
| Texas | Monthly | $177 |
A primary determinant of your auto insurance costs is your choice of auto insurance company. Car insurance companies assign premiums in a variety of ways, resulting in major price variations. Geography also plays a role: some insurance companies sell policies only in certain places, while bigger insurance companies' rates differ by state.
When moving, you should try to find the best cheap insurance company in your new location. Start researching below by viewing the five most affordable car insurance companies in Arizona and Texas.
| Company | Average Annual Rate |
| The Hartford | $536 |
| SAFECO | $561 |
| Auto-Owners | $906 |
| Travelers | $1,097 |
| USAA | $1,102 |
See other cheap auto insurance companies in Arizona.
| Insurance Company | Average Annual Rate |
| Travelers | $1,031 |
| USAA | $1,106 |
| Texas Farm Bureau | $1,223 |
| Germania Mutual | $1,269 |
| Esurance | $1,393 |
See more affordable auto insurance companies in Texas.
While car insurance is legislated on a state-by-state level, insurers assign rates by ZIP code to adjust for unique factors such as density and the likelihood of a crash. The exact location to which you relocate will play a big part in deciding your rates.
View the below tables to see auto insurance rates in major cities in Texas and Arizona.
| City | Average Annual Rate |
| Phoenix | $1,243 |
| Tucson | $1,083 |
| Mesa | $1,136 |
| Chandler | $1,104 |
| Glendale | $1,202 |
Check out a longer list of insurance rates in Arizona cities here.
| City | Average Annual Rate |
| Houston | $1,872 |
| San Antonio | $1,705 |
| Dallas | $1,874 |
| Austin | $1,643 |
| Fort Worth | $1,637 |
Your new city not listed above? View auto insurance rates in other Texas cities here.
When moving from Arizona to Texas, you’ll encounter new driving laws, different FR-44 or SR-22 requirements, and more. Ensure your interstate move is seamless with our collection of information on your new home: