Planning a move from New York to Colorado? You may need to update your car insurance.
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If you're planning an interstate move from New York to Colorado, you’re probably focusing on the high-level concerns and expenses: finding a reliable long-distance moving service, getting a new apartment or house in your new state, and setting your move-in schedule.
Amid all the stress, it can be easy to overlook the details. Auto insurance coverage is among the many details, but it's crucial. To find a good deal and stay street legal, you should plan to update your policy — or find a new insurance company — when you make an interstate move.
Read our guide to auto insurance in New York versus Colorado and ensure your move is pain-free. We'll cover:
Expect to pay less for auto insurance in your new state. The average annual auto insurance rate in Colorado is $773 less than in New York. Keep in mind this cost depends on your coverage level, driving and insurance history, and your auto insurance company.
| State | Average Annual Rate |
| New York | $2,188 |
| Colorado | $1,416 |
How much you spend on car insurance depends on your vehicle, your personal driving profile, and how much protection you want from your policy.
With state minimum liability car insurance coverage, you will carry bodily injury, property damage liability, and medical payment coverages, along with uninsured/underinsured motorist coverage and personal injury protection (PIP) in some states.
| Location | Period | Cost |
| New York | Annual | $887 |
| Colorado | Annual | $521 |
| New York | 6-Month | $443 |
| Colorado | 6-Month | $260 |
| New York | Monthly | $74 |
| Colorado | Monthly | $43 |
Choosing to carry full-coverage auto insurance will certainly cost more, but you can rely on comprehensive and collision coverages, along with extras like rental reimbursement and roadside assistance. The primary benefit of full coverage auto insurance is that it insures your vehicle and you more comprehensively than does a lower level of 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.
| Location | Period | Premium |
| New York | Annual | $1,786 |
| Colorado | Annual | $1,406 |
| New York | 6-Month | $893 |
| Colorado | 6-Month | $703 |
| New York | Monthly | $149 |
| Colorado | Monthly | $117 |
One of the top contributing factors to car insurance costs is the auto insurance company you choose. Auto insurance companies set rates in a variety of ways, resulting in substantial variations in pricing. Geography also comes into play: some insurance companies sell policies only in certain places, while major insurers’ rates may vary by state.
When moving across state lines, you should try to find the best cheap car insurance company in your new location. Get your research started below by viewing the five most affordable car insurance companies in New York and Colorado.
| Car Insurance Company | Average Annual Rate |
| USAA | $1,175 |
| Erie | $1,230 |
| Utica National | $1,519 |
| Progressive | $1,527 |
| Travelers | $1,544 |
See other cheap auto insurance companies in New York.
| Insurer | Average Annual Rate |
| The Hartford | $842 |
| Grange | $968 |
| USAA | $1,019 |
| Nationwide | $1,132 |
| GEICO | $1,164 |
See more affordable auto insurance companies in Colorado.
While car insurance is legislated at the state level, underwriters assign rates by ZIP code to account for local factors like density and frequency of car crashes. The specific location to which you move plays a major role in deciding your premiums.
View the below tables to see car insurance rates in major cities in Colorado and New York.
| City | Average Annual Rate |
| New York | $2,681 |
| Buffalo | $1,518 |
| Rochester | $1,046 |
| Yonkers | $1,939 |
| Syracuse | $1,108 |
Check out a longer list of insurance rates in New York cities here.
| City | Average Annual Premium |
| Denver | $1,411 |
| Colorado Springs | $1,303 |
| Aurora | $1,389 |
| Fort Collins | $1,078 |
| Lakewood | $1,351 |
Is your new home not listed above? View other Colorado cities.
When you move from New York to Colorado, you will face unfamiliar driving laws, different FR-44 or SR-22 requirements, and more. Make sure your move runs smoothly with The Zebra's data on your new home: