When you move to a new state you must get a policy that meets that state's minimum coverage, update your garaging address, and register your vehicle and license within the state's deadline (typically 10 to 45 days). Your old policy can usually be transferred or replaced, and your rate will change because pricing is based on your new ZIP code.
Step 1: Quote with your new ZIP code first
Rates are set by where the car is garaged, so your premium will change the moment you move. Quoting before you cancel anything shows you what to expect.
Step 2: Meet the new state's minimums
Florida: $10,000 PIP + $10,000 PDL. Georgia and Alabama: 25/50/25. South Carolina: 25/50/25 plus matching uninsured motorist. North Carolina: 50/100/50 plus matching UM/UIM. Full details are on each state page.
Step 3: Register and get your license within the deadline
Florida requires a Florida license within 30 days of establishing residency and registration within 10 days of starting work or enrolling kids in school. Georgia allows 30 days. South Carolina allows 45 days. North Carolina allows 60 days. Alabama allows 30 days.
Step 4: Avoid a lapse
Start the new policy before cancelling the old one. Even a one-day gap can increase your rate and, in Florida and Georgia, trigger registration problems.
Step 5: Update discounts
A new job, shorter commute, new garage or added renters policy can all earn discounts that weren't available before.
Ready to see your number?
Enter your ZIP code and you'll go straight to a secure GEICO quote. It takes about two minutes and there's no obligation. Or call (904) 622-1850 to quote with a licensed agent.
Frequently asked questions
Can I keep my old state's insurance after moving?
Only briefly. Once you're a resident, you need a policy issued for your new state with that state's required coverages.
Will my rate go up if I move to Florida?
Often, yes. Florida's average premiums are among the highest in the country. Comparing quotes with your new ZIP code is the best way to limit the increase.