How to Get a New Address Discount

A new address auto insurance discount can save you 5%. Your ZIP code will have a big impact on your rates based on the crime and traffic in your area, but you can take advantage of many different car insurance discounts to lower your new address discount auto insurance rates. However, Liberty Mutual is the only auto insurance company currently offering a new address discount.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 30, 2021

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Things to Remember

  • Liberty Mutual is the only auto insurance company that offers a new address discount
  • You can save 5% on your auto insurance with a new address discount for one year after you move
  • Changing addresses can affect your overall auto insurance rates

Auto insurance is expensive, and car insurance discounts are the best way to lower those rates. If you are moving, a new address discount might help you save.

Although there are many insurance companies out there, Liberty Mutual is the only top insurer with a new address discount. This can be good news if Liberty Mutual is available in your area.

Fortunately, since you can’t find affordable auto insurance with a new address discount everywhere, there are other ways to save. As part of your moving process, shop around to see which company can offer you the best deal.

Keep reading to learn more about a new address discount and more ways you can save on auto insurance. Enter your ZIP code now to compare free auto insurance quotes from multiple companies near you.

How can you get a new address discount on auto insurance?

Auto insurance companies offer a variety of discounts, and most companies offer very similar discounts. However, finding auto insurance companies offering a new address discount on car insurance can be tough.

In fact, Liberty Mutual is the only top insurance company that offers a new address discount.

You can save 5% on your new address discount auto insurance rates for the first year after a move, and then the discount decreases until it disappears completely.

In order to qualify for the discount, you must be a Liberty Mutual customer at the time of your move. You can ask for an auto insurance quote with a new address discount to see what your rates will look like.

Moving is a great time to shop around for auto insurance. Not every insurance company is available everywhere, so you might find new companies that can offer you great deals even without this discount.

Why does moving affect your auto insurance rates?

There are many factors that affect auto insurance rates, such as your age, driving record, and even credit score. It might surprise you to learn that where you live will also affect your rates.

Will changing address affect my car insurance? The answer is probably. Auto insurance companies look at your new ZIP code to determine if your rates should increase, decrease, or stay the same.

Why is my car insurance so high at my new address? Chances are you moved into an area with a higher crime rate, more traffic, or a higher rate of auto-related deaths.

Auto insurance companies are all about risk. If they think you have a greater chance of theft, vandalism, or an accident in your new city, your rates will go up. However, if you move into an area with a lower crime rate, your auto insurance rates will decrease.

Traffic can also affect your auto insurance rates. More traffic means you have a greater chance of being in an accident. Car insurance companies raise rates in high-traffic areas to offset the number of claims filed.

This table shows you how much your auto insurance rates can change, depending on where you live.

Average Annual Auto Insurance Rates by State Capital ZIP Codes
State CapitalCheapest ZIP in CapitalCheapest ZIP in Capital - CostMost Expensive ZIP in CapitalMost Expensive ZIP in Capital - Cost
Juneau, Alaska99801 - 99811$2,391.42N/AN/A
Montgomery, Alabama36110$3,883.5736064$4,053.77
Little Rock, Arkansas72103$4,580.2972202$5,096.59
Phoenix, Arizona85086$4,053.6885009$5,433.92
Sacramento, California95831$5,081.2995824$6,057.20
Denver, Colorado80229$3,853.0480219$4,405.27
Hartford, Connecticut06101$6,212.5806160$6,440.87
District of Columbia20001$4,383.6020002 - 20398$4,440.79
Dover, Delaware19906$5,312.1219904$5,341.88
Tallahassee, Florida32301$3,032.1332305$3,063.69
Atlanta, Georgia30342$5,300.5330314$6,766.92
Honolulu, Hawaii96813 - 96859$2,511.19N/AN/A
Des Moines, Iowa50322$2,476.1150314$2,866.22
Boise, Idaho83716$2,612.8883713$2,719.52
Springfield, Illinois62711$3,058.8862703$3,289.91
Indianapolis, Indiana46290$3,061.0346225$3,817.96
Topeka, Kansas66615$3,480.3766683$3,693.40
Frankfort, Kentucky40601$3,672.47N/AN/A
Baton Rouge, Louisiana70808$5,824.9370805$6,898.13
Augusta, Maine04330$2,285.16N/AN/A
Annapolis, Maryland21402$3,694.0621405$3,774.88
Boston, Massachusetts02222$3,507.7802128$4,228.12
Lansing, Michigan48910$6,326.1948924$6,946.97
Saint Paul, Minnesota55110$3,495.8955106$4,984.73
Jefferson City, Missouri65109$2,472.7365101$2,480.09
Jackson, Mississippi39211$3,254.4639210$3,564.29
Helena, Montana59602$2,945.7959625$2,976.07
Raleigh, North Carolina27607$2,776.2227604$3,528.69
Bismarck, North Dakota58501$4,242.6758504$4,280.84
Lincoln, Nebraska68502$3,277.0768532$3,230.33
Concord, New Hampshire03303$2,919.5203301$2,935.65
Trenton, New Jersey08620$4,731.9308629$6,431.16
Santa Fe, New Mexico87505$3,830.7587508$3,923.30
Carson City, Nevada89701$3,701.6589703$3,740.66
Albany, New York12208$3,329.3012210$3,444.57
Columbus, Ohio43035$2,889.5243224$3,541.92
Oklahoma City, Oklahoma73099$4,314.0773106$4,907.42
Salem, Oregon97303$3,507.5597305$3,582.02
Harrisburg, Pennsylvania17112$4,231.0617104$5,091.10
Providence, Rhode Island02906$5,881.5702907$7,262.39
Columbia, South Carolina29212$3,579.0929222$3,854.38
Pierre, South Dakota57501$4,106.45N/AN/A
Nashville, Tennessee37212$3,651.2337217$4,005.70
Austin, Texas78728$5,248.2978710$7,029.64
Salt Lake City, Utah84102$3,980.9384104$4,580.22
Richmond, Virginia23236$2,106.2623222$2,424.01
Montpelier, Vermont05602$3,240.76N/AN/A
Olympia, Washington98512$2,851.8998513$2,944.83
Charleston, West Virginia25387$3,920.7825305$4,024.46
Madison, Wisconsin53593$2,663.2253725$2,866.36
Cheyenne, Wyoming82007$2,922.7882001 - 82009$2,931.29
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Your car insurance rates can change drastically a month depending on your ZIP code, so compare car insurance quotes every few months to ensure you’re still paying the most competitive rates.

What happens if you lie about your address on auto insurance?

You might be tempted to lie about your address on your car insurance if you think your auto insurance rates will go up. Or maybe you think it will be a hassle and time-consuming to change your address with your insurance company.

Failing to give your auto insurance company your address can be considered insurance fraud.

According to Insurance Information Institute, misrepresenting facts, staging accidents, and filing a false claim are all acts of fraud.

Saving a little bit of money isn’t worth losing your auto insurance coverage and possible fines and jail time.

Changing your address with your insurance company is pretty easy. Just contact your agent or the company itself to get the change started. Maybe you’ll even see your rates go down.

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What are other ways to save on auto insurance?

The great news is that there are lots of ways to save on your auto insurance.

Perhaps the easiest way to save is to add discounts to your policy. You can generally bundle them for even greater savings.

Most companies offer many car insurance discounts for you to take advantage of. Many companies offer the same discounts, but there are some differences.

This table lists some of the most common auto insurance discounts to ask for and which of the top auto insurance companies offer them. If the amount of the discount is known, it’s also listed.

Auto Insurance Discounts By Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107
Driver's Ed10N/A101583
Driving Device / AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging / StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New Customer / New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingN/A$30$233
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Passive Restraint4020x40
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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In addition to discounts, there are other ways to save. Consider these tips to lower your auto insurance rates:

  • Raise your deductible
  • Lower your coverage levels
  • Remove extra coverages like roadside assistance or rental car coverage
  • Shop around with multiple companies throughout the year to find the best deal

Even if you’ve been with your auto insurance company a long time, you may be missing out on lower rates. Take advantage of all of these savings ideas to see a much lower rate.

New Address Discount on Auto Insurance: The Bottom Line

You can receive a 5% new address car insurance discount for the first year after you move, but Liberty Mutual is the only place to buy new address discount auto insurance.

Even though Liberty Mutual is the only company that offers a new address discount, most car insurance companies offer lots of discounts to help lower your rates.

Your auto insurance rates might change depending on your new address, but failing to change your address is considered insurance fraud. Shop around and compare rates and discounts from multiple companies to see which offers the best deal for your budget.

Now that you know all about new address auto insurance discounts and are ready to get auto insurance at your new address, enter your ZIP code below to compare auto insurance quotes from companies in your area for free.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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