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How does location affect car insurance?
I work from home now and have been saving up to buy a house. I realized that I could go anywhere because I work from home, and that's so exciting to me. While I'm figuring out my pros and cons list, I figured I'd also consider other fees. How does location affect car insurance?
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Buying a house is exciting; congratulations on this big step! You’re right; your location will affect your insurance. Every state has differing
minimum insurance requirements
for their drivers.For example, each state factors into their minimum insurance requirements the following:
All of these factors can change the amount you pay for insurance. More densley populated areas often have more accidents, which means higher premiums to help insurance companies account for the higher risk.
It’s also important to note that each state accounts for fault in an accident differently.
No-fault states
often require personal injury protection (PIP)
because it helps cover injuries regardless of fault. Once you start narrowing down where you want to move, gather quotes from multiple companies from each state. You can do this quickly and easily with the
Jerry
app. Jerry compares personalized quotes from top providers like Nationwide, Allstate, and Travelers, and delivers the best deals to your phone in minutes. The average Jerry driver saves $879 a year on car insurance!View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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