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Moving to a new state and car insurance
Mar 25, 2023

How Moving to a New State Affects Your Car Insurance

Moving to another state in India can be an exciting experience, but it also comes with its fair share of challenges. One of the important things to consider when relocating is how it will affect your comprehensive motor insurance. Each state in India has its own set of rules and regulations regarding car insurance, which means that moving to another state may have an impact on your insurance premium. In this article, we will see how moving to another impacts the insurance policy for your car.

What to do with your car insurance policy after moving to another state?

If you are planning to move to another state and are going to take your car with you, there are a few formalities which you are required to take care of. One of them is related to your car insurance, either comprehensive or third-party car insurance. Here are a few tips that you can follow after you shift to another state:
  1. Inform your insurer about the relocation

The first thing you need to do when you move to another state is to inform your insurance company about the change in your address. This is important because insurance premiums can vary from one state to another and failing to update your address could result in a gap in coverage or even a cancellation of your policy. *
  1. Assess your existing plan

Once you have notified your insurance company of your new address, you may want to assess your plan. Factors such as risk based on the driving conditions in the new state can be considered. For example, if you are moving from a rural area to a metropolitan city, your insurance premium is likely to increase because of the higher risk of accidents and theft. Conversely, if you are moving from a metropolitan city to a rural area, your insurance premium may decrease because of the lower risk of accidents and theft. *
  1. Adjust coverage in relation to climate

If you have moved to an area where the climate is such that heavy rains or snow are common, you may want to opt for a plan that provides protection against such natural disasters. Most car insurance plans in India with comprehensive coverage often cover floods, snowstorms, landslides, and so on. You may also want to check what other climatic risks your new region is susceptible to.
  1. Check your insurer’s coverage

It is important to note that different insurance companies may have different policies regarding out-of-state coverage. Some companies may only provide coverage for a limited period of time outside of certain geographical boundaries, while others may offer full coverage in any state. Before you move, it is important to check with your insurance company to see what their policy is regarding out-of-state coverage. *
  1. Opt for a new policy

There can be instances where you may need to purchase a new insurance policy when you move to another state. This is because some insurance companies only operate in certain states and may not be licensed to provide coverage in your new state. In this case, you will need to shop around for a new insurance policy that meets your needs. Check these conditions before you purchase car insurance online.*

Additional tips to keep in mind

These additional can help you after you have already moved or are planning to move to another state:
  • Weigh the differences between insurers

When shopping for a new insurance policy, it is important to compare prices and coverage from multiple providers. This will help you find the best deal for your needs and budget.
  • Approach an insurance agent

You may also want to consider working with an insurance agent who can help you navigate the complex world of car insurance.
  • Get the RTO’s approval

You are required to receive a NOC (no-objection certificate) from the RTO of the state from where you are moving to. This NOC will be required by the RTO of the state where you are planning to move.
  • Customise your plan

Shifting to another state can give you the opportunity to contemplate your plan’s coverage. Adding extra features such as zero depreciation cover or roadside assistance can enhance your policy’s coverage.


Moving to another state can come with its own share of chaos. This is not limited to packing, moving, and unpacking your personal items, but it also extends to your car’s insurance policy as well. The tips mentioned above can help reduce your hassles when it comes to your policy and ensure that you continue to receive solid coverage. If you are looking to switch to a new insurer, you can use their online car insurance calculator to get an idea of how much their policy would cost. *Standard T&C apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.  

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