Planning a move from New York to California? Remember to update your car insurance.
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If you're relocating from New York to California, chances are you're focused on the big-picture concerns and major expenses: finding a reliable moving company, finding a new apartment or house in your new locale, and arranging your interstate move.
Amidst the stress of a big move, it’s easy to overlook the details. Car insurance is just a detail, but it's crucial. To ensure you stay street legal and find a good deal, plan to update your policy — or find a new policy altogether — when you move from one state to another.
Check out our guide to auto insurance in New York vs. California and make your interstate move painless. We'll cover the following topics:
Expect to pay less for auto insurance in California than you did in New York. The average annual auto insurance rate in California is $482 less than the average rate in New York. The exact cost may vary, depending on your coverage level, driving and insurance history, and your auto insurance company.
|State||Average Annual Price|
How much you shell out for auto insurance depends on your chosen coverage level and how much you’re willing to invest each month to protect your car.
If you choose your state’s minimum liability auto insurance coverage, you will have medical payment, bodily injury, and property damage liability coverages, in addition to uninsured and underinsured driver coverage and personal injury protection in some states.
Electing full-coverage auto insurance will cost substantially more, but you’ll get the peace of mind that comes with comprehensive and collision coverages, along with extras like rental reimbursement and roadside assistance. The main benefit of full coverage car insurance is that it protects you and your vehicle better than does basic coverage. If you are willing to spend more up front to protect your investment, full coverage could be the way to go.
A major contributor to your auto insurance costs is the insurer you choose. Insurance companies set rates in a number of ways, resulting in major price variations. Location also plays a role: some car insurance companies only sell policies in certain states, while bigger insurance companies' rates differ by state.
When moving across state lines, it's critical to find the best cheap auto insurance company offering policies in your new state. Get started below by viewing the five cheapest car insurance companies in New York and California.
|Insurance Company||Average Annual Rate|
|Car Insurance Company||Average Annual Rate|
Though car insurance is legislated at the state level, insurers assign rates by ZIP code to adjust for local factors such as population density and number of insurance claims. The exact location to which you relocate will play a big part in deciding how much you pay for auto insurance.
The below tables show car insurance rates in major cities in California and New York.
|City||Average Annual Rate|
See a longer list of New York cities here.
|City||Average Annual Rate|
Is your new home not listed above? View rates in smaller California cities here.
When you relocate from New York to California, you’ll encounter new rules of the road, different SR-22 or FR-44 requirements, and more. Ensure your move goes off without a hitch with The Zebra's 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.