If you're moving from Illinois to Arizona, you should consider the consequences for your car insurance.
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If you’re moving from Illinois to Arizona, you may be focused on the major expenses and concerns: tracking down a reliable long-haul moving service, securing somewhere to live in your new city, and physically moving across state lines.
Amidst the stress of a move, it can be easy to forget the details. Auto insurance is just a detail, but it's important. To find a cheap rate and stay street legal, you should plan to update your policy — or purchase a new policy — when you make the move.
Consult our guide to car insurance in Illinois versus Arizona and make your interstate move painless. We'll cover the following:
Expect to pay more for car coverage in your new state. The average annual auto insurance rate in Arizona is $87 pricier than the average cost in the state of Illinois. The precise cost will depend on your coverage choice, insurance history, and your choice of insurer.
|State||Average Annual Premium|
The amount you pay for auto insurance depends on your vehicle, your personal driving profile, and how much protection you want from your insurer.
With state minimum liability car insurance coverage, you will get bodily injury, property damage liability, and medical payment coverages, plus uninsured and underinsured motorist coverage and personal injury protection in certain states.
Electing to carry full-coverage car insurance will raise your premiums, but you can rely on comprehensive and collision coverage levels, as well as rental reimbursement and roadside assistance. The primary benefit of full coverage is that it covers you and your car better than does basic car insurance coverage. If you are willing to spend more up front to protect your investment in your vehicle, full coverage could be the way to go.
A major determinant of your car insurance costs is the auto insurance company you choose. Companies price premiums in a number of ways, resulting in major price variations. Location matters, too: some insurers only sell policies within limited geographic windows, while bigger insurance companies' rates differ by state.
When moving across state lines, it's critical to find the best cheap insurance company in your new location. Get your research started below by viewing the five cheapest car insurance companies in Illinois and Arizona.
|Car Insurance Company||Average Annual Rate|
|Company||Average Annual Rate|
Although car insurance is legislated at the state level, underwriters price rates by ZIP code to adjust for unique factors such as population density and number of insurance claims. The exact location to which you relocate will play a big part in deciding your car insurance rates.
The below tables show auto insurance rates in major cities in Arizona and Illinois.
|City||Average Annual Rate|
Check out a longer list of car insurance rates in Illinois cities.
|City||Average Annual Rate|
Is your new home not listed above? View other Arizona cities.
When moving from Illinois to Arizona, you will encounter unfamiliar driving laws, different FR-44 or SR-22 requirements, and more. Ensure your move is seamless with our data 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.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.