If you're moving from Georgia to Texas, you should consider the consequences for your car insurance.
Why you can trust The Zebra
If you’re moving from Georgia to Texas, you may be focused on the major concerns and big expenses: finding a reliable long-distance moving service, locking down an apartment or house in your new state, and physically moving across state lines.
Amidst the stress of a move, it's easy to overlook some details. Auto insurance is among the many details, but it's an important one. To find a great deal and stay on the right side of the law, plan to update your policy — or find a new policy altogether — when you move from one state to another.
Read our guide to auto insurance in Georgia versus Texas and plan accordingly. We'll cover the following:
Expect to pay more for auto insurance once you relocate. The typical annual auto insurance rate in Texas is $669 more expensive than the cost in Georgia. The precise cost will depend on your coverage choice, insurance history, and your choice of car insurance company.
|State||Average Annual Cost|
How much you shell out for car insurance coverage depends on how you use your vehicle and how much protection you want.
If you go with state minimum coverage, you will carry bodily injury, medical payment, and property damage liability coverages, along with uninsured/underinsured motorist coverage and personal injury protection in certain states.
Choosing to carry full-coverage auto insurance will cost substantially more, but you’ll get the peace of mind that comes with comprehensive and collision coverage levels, plus extras such as rental reimbursement and roadside assistance. The primary benefit of full coverage is that it covers you and your vehicle more comprehensively than does basic coverage. If you want to go the extra mile to protect your investment in your vehicle, full coverage could be the way to go.
A major determinant of your car insurance costs is your choice of insurer. Underwriters set rates in a variety of ways, leading to major price variations. Your location also comes into play: some regional companies have limited geographic range, while major insurers' rates change by state.
When moving across state lines, it’s important to find the best cheap auto insurance company selling policies in your new location. Start researching below by viewing the five most affordable auto insurance companies in Georgia and Texas.
|Company||Average Annual Rate|
|Company||Average Annual Rate|
|Texas Farm Bureau||$1,223|
Though car insurance is legislated at the state level, insurance companies assign rates by ZIP code to account for unique factors such as density and the likelihood of a crash. The exact location to which you move plays a major role in deciding your auto insurance rates.
The below tables show auto insurance rates in major cities in Texas and Georgia.
|City||Average Annual Rate|
|City||Average Annual Premium|
Seeking data on another city? View other Texas cities.
When you pack up and move from Georgia to Texas, you'll face a new set of driving laws, different SR-22 or FR-44 requirements, and more. Make sure your move is problem-free with The Zebra's collection of information on your new home:
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.