If you're moving from Texas to Washington, you should consider the consequences for your car insurance.
If you are planning a move from Texas to Washington, you are probably fixated on the major concerns and expenses: locating a reliable moving company, locking down an abode in your new city, and arranging your move across state lines.
Amid all the stress, it’s easy to overlook the details. Car insurance coverage is one of these details, but it's important. In order to stay legal and find a good deal, plan to update your policy — or find a new insurance company — when you move between states.
Check out our guide to auto insurance in Texas versus Washington and ensure your move is pain-free. We'll cover:
You should expect to pay less for car insurance once you move. The typical annual car insurance rate in Washington is $865 less than the typical cost of car insurance in Texas. The precise cost will depend on your coverage choice, insurance history, and your choice of car insurance company.
| State | Average Annual Price |
| Texas | $2,125 |
| Washington | $1,259 |
The amount you pay for auto insurance depends on how you use your vehicle and how much protection you want.
If you select state minimum liability auto insurance coverage, you'll have bodily injury, property damage liability, and medical payment coverages, along with underinsured and uninsured motorist coverage and personal injury protection in some states.
| State | Time Period | Rate |
| Texas | Annual | $782 |
| Washington | Annual | $607 |
| Texas | 6-Month | $391 |
| Washington | 6-Month | $303 |
| Texas | Monthly | $65 |
| Washington | Monthly | $51 |
Upgrading to full-coverage car insurance will raise your premiums, but you will receive collision and comprehensive coverages, plus extras such as rental car reimbursement and roadside assistance. The primary benefit of full coverage is that it covers your vehicle and you more comprehensively than does basic car insurance coverage. If you want to go the extra mile to protect your investment in your vehicle, consider full coverage.
| Location | Time Period | Rate |
| Texas | Annual | $2,120 |
| Washington | Annual | $1,183 |
| Texas | 6-Month | $1,060 |
| Washington | 6-Month | $591 |
| Texas | Monthly | $177 |
| Washington | Monthly | $99 |
One of the top contributing factors to auto insurance costs is your choice of auto insurance company. Insurers set premiums in a variety of ways, leading to substantial variations in pricing. Geography plays a role, too: some regional insurance companies sell policies only in certain places, while bigger insurance companies' rates differ by state.
When moving, you should try to find the best cheap insurance company in your new location. Get started below with our list of the five cheapest auto insurance companies in Texas and Washington.
| Insurer | Average Annual Rate |
| Travelers | $1,031 |
| USAA | $1,106 |
| Texas Farm Bureau | $1,223 |
| Germania Mutual | $1,269 |
| Esurance | $1,393 |
See additional affordable auto insurance companies in Texas.
| Car Insurance Company | Average Annual Rate |
| Capital | $769 |
| Grange | $830 |
| Nationwide | $971 |
| PEMCO | $984 |
| Travelers | $1,018 |
View more inexpensive auto insurance companies in Washington.
While car insurance is legislated at the state level, underwriters assign rates by ZIP code to account for local factors such as population density and number of insurance claims. The location to which you relocate will play a major role in deciding your rates.
The below tables show car insurance rates in major cities in Washington and Texas.
| City | Average Annual Rate |
| Houston | $1,872 |
| San Antonio | $1,705 |
| Dallas | $1,874 |
| Austin | $1,643 |
| Fort Worth | $1,637 |
See a longer list of insurance rates in Texas cities here.
| City | Average Annual Rate |
| Seattle | $1,377 |
| Spokane | $1,082 |
| Tacoma | $1,413 |
| Vancouver | $1,169 |
| Bellevue | $1,231 |
Looking for rates in another city? View more insurance rates for Washington cities here.
When you move from Texas to Washington, you will encounter new driving laws, different FR-44 or SR-22 requirements, and more. Ensure your interstate move goes off without a hitch with The Zebra's collection of information on your new home:
