Planning a move from Kentucky to California? Remember to update your car insurance.
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If you're in the process of relocating from Kentucky to California, you might be focused on the primary concerns and expenses: finding a dependable long-distance moving company, securing a home in your new state, and arranging your interstate move.
With so many moving parts, it’s easy to overlook the details. Car insurance is often just an afterthought, but it's important. To stay street legal and find a good deal, plan to reevaluate your policy — or find a new insurer altogether — when you move from one state to another.
Consult our guide to auto insurance in Kentucky versus California and learn what your next steps should be. We'll cover the following:
Expect to pay less for car insurance in your new state. The typical annual car insurance rate in California is $689 less than the cost in Kentucky. The exact cost will vary, depending on your coverage, driving and insurance history, and your auto insurance company.
| State | Average Annual Rate |
| Kentucky | $2,396 |
| California | $1,707 |
The cost of car insurance coverage depends on how you use your vehicle and what level of coverage you desire.
If you go with state minimum liability auto insurance coverage, you will most likely carry bodily injury, medical payment, and property damage liability coverages, along with underinsured and uninsured motorist coverage and personal injury protection in some states.
| Location | Time Period | Premium |
| Kentucky | Annual | $975 |
| California | Annual | $573 |
| Kentucky | 6-Month | $488 |
| California | 6-Month | $286 |
| Kentucky | Monthly | $81 |
| California | Monthly | $48 |
Electing full-coverage car insurance incurs further costs, but you’ll get the peace of mind that comes with collision and comprehensive coverages, along with extras like rental car reimbursement and roadside assistance. The chief pro of full coverage is that it insures your vehicle and you more comprehensively than does a lower level of coverage. If you want to go the extra mile to protect your investment, full coverage could be the way to go.
| Location | Duration | Cost |
| Kentucky | Annual | $2,143 |
| California | Annual | $1,626 |
| Kentucky | 6-Month | $1,072 |
| California | 6-Month | $813 |
| Kentucky | Monthly | $179 |
| California | Monthly | $135 |
One of the top contributing factors to car insurance costs is the insurer you choose. Auto insurance companies assign premiums in a variety of ways, leading to substantial variations in pricing. Geography plays a role, too: some car insurance companies only sell policies in a few states, while major insurers' rates change by state.
When moving, it's crucial to find the best cheap auto insurance company selling policies in your new location. Get started below by viewing the five most affordable auto insurance companies in Kentucky and California.
| Insurance Company | Average Annual Rate |
| Cincinnati | $1,104 |
| Kentucky Farm Bureau | $1,151 |
| USAA | $1,199 |
| Auto-Owners | $1,385 |
| Motorists Mutual | $1,585 |
See other cheap auto insurance companies in Kentucky.
| Insurance Company | Average Annual Rate |
| USAA | $1,132 |
| Wawanesa | $1,169 |
| Century National | $1,202 |
| CSAA | $1,210 |
| Nationwide | $1,238 |
See more cheap auto insurance companies in California.
Though car insurance is regulated by states, insurance companies price rates by ZIP code to adjust for local factors like density and frequency of car crashes. The exact location to which you relocate will play a big part in deciding your auto insurance rates.
Reference the below tables to see car insurance rates in major cities in California and Kentucky.
| City | Average Annual Rate |
| Louisville | $2,133 |
| Lexington | $1,484 |
| Bowling Green | $1,447 |
| Owensboro | $1,404 |
| Covington | $1,502 |
Check out a more comprehensive list of car insurance rates in Kentucky cities here.
| City | Average Annual Rate |
| Los Angeles | $2,125 |
| San Diego | $1,354 |
| San Jose | $1,409 |
| San Francisco | $1,728 |
| Fresno | $1,487 |
Looking for another city's data? View more insurance rates for California cities here.
When you relocate from Kentucky to California, you'll face new rules of the road, different FR-44 or SR-22 requirements, and more. Ensure your interstate move is seamless with our collection of information on your new state: