Moving from Texas to Alaska? You may need to update your car insurance.
If you're relocating from Texas to Alaska, chances are you're fixated on the major expenses and concerns: contracting a reliable long-haul moving service, securing an abode in your new state, and setting your move-in schedule.
With so many moving parts, it's easy to overlook some details. Auto insurance is often just an afterthought, but it's a big one. To stay street legal and find a good deal, you should plan to update your policy — or find a new policy altogether — when you move across state lines.
Check out our guide to car insurance in Texas versus Alaska and take the strain out of your move. We'll cover the following:
Expect to pay less for auto insurance once you move. The average annual auto insurance rate in Alaska is $669 cheaper than the typical cost of car insurance in Texas. The exact cost may vary, depending on your coverage level, driving and insurance history, and your auto insurance company.
| Location | Average Annual Premium |
| Texas | $2,125 |
| Alaska | $1,456 |
The cost of an auto policy depends on how you use your vehicle and what level of coverage you desire.
If you decide to go with your state's minimum liability coverage, you’ll most likely carry bodily injury, medical payment, and property damage liability coverages, plus uninsured and underinsured motorist coverage and personal injury protection in some states.
| State | Period | Rate |
| Texas | Annual | $782 |
| Alaska | Annual | $436 |
| Texas | 6-Month | $391 |
| Alaska | 6-Month | $218 |
| Texas | Monthly | $65 |
| Alaska | Monthly | $36 |
Upgrading to full-coverage car insurance will certainly cost more, but you'll get the added protection of collision and comprehensive coverages, plus perks like rental reimbursement and roadside assistance protection. The main benefit of full coverage auto insurance is that it insures your vehicle and you more comprehensively than does minimum liability car insurance. If you want to do everything possible to protect your investment, full coverage could be the way to go.
| Location | Duration | Cost |
| Texas | Annual | $2,120 |
| Alaska | Annual | $1,171 |
| Texas | 6-Month | $1,060 |
| Alaska | 6-Month | $586 |
| Texas | Monthly | $177 |
| Alaska | Monthly | $98 |
A major determinant of your auto insurance costs is the auto insurance company you choose. Insurers assign rates in a variety of ways, leading to major price variations. Geography also plays a role: some insurers have limited geographic range, while major insurance companies shift rates by state.
When moving, you should look to find the best cheap insurance company offering policies in your new state. Get started below with our list of the five cheapest auto insurance companies in Texas and Alaska.
| Car Insurance Company | Average Annual Rate |
| Travelers | $1,031 |
| USAA | $1,106 |
| Texas Farm Bureau | $1,223 |
| Germania Mutual | $1,269 |
| Esurance | $1,393 |
See other cheap auto insurance companies in Texas.
| Car Insurance Company | Average Annual Rate |
| Umialik | $883 |
| USAA | $948 |
| State Farm | $985 |
| Progressive | $1,235 |
| GEICO | $1,924 |
View more cheap auto insurance companies in Alaska.
While car insurance is legislated on a state-by-state level, insurers price rates by ZIP code to adjust for local factors such as density and the likelihood of a crash. The specific location to which you move plays a major role in deciding how much you pay for auto insurance.
See below auto insurance rates in major cities in Alaska and Texas.
| City | Average Annual Rate |
| Houston | $1,872 |
| San Antonio | $1,705 |
| Dallas | $1,874 |
| Austin | $1,643 |
| Fort Worth | $1,637 |
View a more comprehensive list of Texas cities here.
| City | Average Annual Rate |
| Anchorage | $1,282 |
| Fairbanks | $1,259 |
| Juneau | $989 |
| College | $1,257 |
| Sitka | $977 |
Looking for a different city? View auto insurance rates in other Alaska cities here.
When you move from Texas to Alaska, you’ll encounter new driving laws, different SR-22 or FR-44 requirements, and more. Make sure your interstate move runs smoothly with The Zebra's data on your new home:
