Moving from Massachusetts to California? Remember to update your car insurance.
If you are planning to move from Massachusetts to California, you are probably paying attention to the obvious expenses and concerns: locating a reliable long-distance moving company, getting a new apartment or house in your new state, and setting your move-in schedule.
Amidst the stress of a big move, it can be easy to forget the details. Car insurance is often just an afterthought, but it’s critical. In order to stay legal and find a good deal, plan to reevaluate your policy — or purchase a new policy — when you move.
Check out our guide to car insurance in Massachusetts and California and plan your next steps accordingly. We'll cover the following:
Expect to pay more for car insurance once you move. The typical annual car insurance rate in California is $259 pricier than in Massachusetts. The precise cost will depend on your coverage choice, insurance history, and your choice of car insurance company.
| State | Average Annual Rate |
| Massachusetts | $1,448 |
| California | $1,707 |
How much you can expect to pay for an auto policy depends on how you use your vehicle and how much protection you want from your policy.
If you elect your state's minimum liability coverage, you will get medical payment, bodily injury, and property damage liability coverages, along with uninsured/underinsured motorist coverage and personal injury protection (PIP) in some states.
| State | Period | Premium |
| Massachusetts | Annual | $484 |
| California | Annual | $573 |
| Massachusetts | 6-Month | $242 |
| California | 6-Month | $286 |
| Massachusetts | Monthly | $40 |
| California | Monthly | $48 |
Upgrading to full-coverage car insurance will cost substantially more, but you'll receive comprehensive and collision coverages, as well as perks like rental reimbursement and roadside assistance protection. The most notable benefit of full coverage is that it insures you and your car more comprehensively than does minimum liability coverage. If you are willing to spend more up front to protect your investment, consider bumping up your policy to full coverage.
| Location | Time Period | Premium |
| Massachusetts | Annual | $1,269 |
| California | Annual | $1,626 |
| Massachusetts | 6-Month | $634 |
| California | 6-Month | $813 |
| Massachusetts | Monthly | $106 |
| California | Monthly | $135 |
A major contributor to your auto insurance costs is the insurer you choose. Auto insurance companies set premiums in a variety of ways, resulting in major price variations. Geography matters, too: some car insurance companies have limited geographic range, while bigger insurance companies' rates differ by state.
When moving across state lines, it’s important to find the best cheap car insurance company in your new location. Get started below with our list of the five cheapest auto insurance companies in Massachusetts and California.
| Insurer | Average Annual Rate |
| State Farm | $726 |
| Grange | $815 |
| GEICO | $859 |
| Commerce | $893 |
| OneBeacon | $894 |
See other cheap auto insurance companies in Massachusetts.
| Company | Average Annual Rate |
| USAA | $1,132 |
| Wawanesa | $1,169 |
| Century National | $1,202 |
| CSAA | $1,210 |
| Nationwide | $1,238 |
View more inexpensive auto insurance companies in California.
While car insurance is legislated at the state level, insurance companies price rates by ZIP code to account for unique factors such as density and the likelihood of a crash. The specific location to which you move plays a big part in deciding your auto insurance rates.
See below car insurance rates in major cities in California and Massachusetts.
| City | Average Annual Rate |
| Boston | $1,770 |
| Worcester | $1,712 |
| Springfield | $1,889 |
| Lowell | $1,542 |
| Cambridge | $1,476 |
View a longer list of Massachusetts 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 rates in another city? View car insurance rates in other California cities here.
When relocating from Massachusetts to California, you'll face unfamiliar driving laws, different FR-44 or SR-22 requirements, and more. Make sure your move is seamless with our data on your new home: