How Much Does Renters Insurance Cost?

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If the thought of another $100-plus monthly expense is keeping you from buying renters insurance, you should know a renters insurance policy isn’t likely to cost nearly that much.

The average cost of renters insurance in the U.S. was $188 a year, or just over $15 a month, in 2015 per data from a 2017 report by the National Association of Insurance Commissioners (NAIC), ranging from a high of $262 to a low of $114.

Now that you know that the cost of renters insurance is closer to a car wash than a car payment, read on to learn more about how that number is determined:

How Much Does Renters Insurance Cost in Each State?

Given that your neighborhood and building type can influence your premiums, it stands to reason the cost of renters insurance varies dramatically across state lines. Keep in mind, though, pricing gets more granular than that, and the cost of renters insurance can also vary dramatically across any given state.

With that caveat in mind, here are the average annual renters insurance premiums in each one as of 2015, per the NAIC:

 

State Avg. Annual Premium
Alabama $242
Alaska $172
Arizona $191
Arkansas $214
California $202
Colorado $166
Connecticut $201
Delaware $156
District of Columbia $158
Florida $195
Georgia $226
Hawaii $201
Idaho $155
Illinois $173
Indiana $183
Iowa $146
Kansas $177
Kentucky $172
Louisiana $249
Maine $147
Maryland $161
Massachusetts $196
Michigan $203
Minnesota $144
Mississippi $262
Missouri $180
Montana $147
Nebraska $149
Nevada $189
New Hampshire $150
New Jersey $171
New Mexico $191
New York $202
North Carolina $154
North Dakota $114
Ohio $185
Oklahoma $242
Oregon $166
Pennsylvania $156
Rhode Island $179
South Carolina $192
South Dakota $121
Tennessee $210
Texas $241
Utah $149
Vermont $155
Virginia $153
Washington $169
West Virginia $186
Wisconsin $132
Wyoming $153
United States $188

The most expensive states for renters insurance

The unifying theme here: Extreme weather. Mississippi, Texas, Louisiana and Alabama are coastal and susceptible to strong storms, while Oklahoma has a tornado problem.

  1. Mississippi: $262
  2. Louisiana: $249
  3. Alabama & Oklahoma (tie): $242
  4. Texas: $241
  5. Georgia: $226

The cheapest states for renters insurance

Conversely, the states with the cheapest renters insurance are much more insulated from extreme weather and natural disasters. Is it worth moving to cut your renters insurance rates? We’re gonna go with … no. But it’s good to know about state-by-state disparities if you’re planning a move so you can account for the cost difference in your budget, or just understand why cousin Beth in North Dakota is paying so much less to insure her apartment than you are.

  1. North Dakota: $114
  2. South Dakota: $121
  3. Wisconsin: $132
  4. Minnesota: $144
  5. Iowa: $146

What Determines the Cost of Renters Insurance?

Renters insurance provides protection for your belongings, plus some liability coverage for good measure. Renters insurance rates are determined by a few factors, some of which you can choose, and some of which you can’t.

Renters insurance cost factors that are set by your circumstances:

  • Your location: Renters insurance rates can vary widely by location (see the table below) and can even vary within cities and neighborhoods and property by property (older buildings tend to cost more, while newer buildings with more security and safety features can garner lower premiums).
  • Your credit score: Your credit score influences a lot of the rates you’ll get in your financial life, and renters insurance is among them. A good credit score is considered a sign of financial wellness and is a big factor in lowering your premiums.
  • How much stuff you have: Generally, the more value your home inventory has, the more it’ll cost to insure. We’re saying value because, while having a lot to insure generally costs more, the total price of your possessions is the real driver here. So a two-bedroom full of Ikea furniture may be valued less than a studio full of Eames.

Renters insurance cost factors that are set by your choices:

  • How much coverage you want: More coverage costs more money. If you’re willing to accept lower payouts in the event of a claim, then your premiums will be lower. And if you’re willing to gamble that your entire vintage guitar collection isn’t covered, then you’ll save some money upfront. But if you want higher coverage limits and additional riders for expensive items (and you probably do), expect your premiums to be higher than if you just had a thrift store bed and a beater guitar.
  • How high (or low) you want your deductible to be: That’s the amount of money you pay out of pocket before your coverage kicks in. The higher your deductible, the lower your premium.
  • How you want to be paid in the event of a claim: Actual cash value renters insurance will pay you the value of belongings at the time of a claim, not the price you paid for them or the price it would cost to replace them. Replacement cost renters insurance covers the cost of repairing or replacing the item at the time of the claim. Replacement cost renters insurance pays out a lot more if you need to file a claim, but it also costs more.

How Do Coverage Choices Affect Price?

Since your circumstances are generally set, it’s your choices about coverage that allow you to have some leeway over the rates you’ll get. Find out how your choices can change your premiums.

What does a basic renters insurance policy cost?

The average renters insurance policy costs between $120 and $190 a year. These basic policies generally offer $25,000 personal property coverage, $100,000 liability protection, and a $500 deductible, though those numbers are just ballpark figures and your particular insurance company’s basic coverage may be different.

Some examples of what a basic renters insurance policy will cover:

  • At least part of the replacement cost of a laptop that gets fried by a water damage from a burst pipe.
  • Some coverage for medical expenses if a friend gets hurt making a smoothie in your apartment — plus some court expenses if that friend decides to sue you.
  • Coverage for personal property that is stolen when you’re away from home.
  • If a covered event renders your apartment uninhabitable, your policy will also pay additional living expenses so you can stay in a hotel during repairs.

Check out our deep dive on what renters insurance does and doesn’t cover.

What is the cheapest renters insurance you can buy?

The cheapest renters insurance will have the least amount of coverage. If you opt for low coverage amounts for personal property (say, $10,000), personal liability ($100,000), and medical payments to others ($1,000) and you choose a high deductible ($500 to $2,500), you can conceivably get renters insurance for as little as $5 to $8 a month.

Learn more about how to buy cheap renters insurance online.

How much does more coverage cost?

As you up the coverage limits of your renters policy, you also up your premiums. But remember, renters insurance is super affordable, so even huge leaps in coverage can result in just a few more dollars a month.

For example, if you increase to the most common coverage amounts — $25,000 for personal property, $300,000 for personal liability, and $2,000 for medical payments to others — your premiums can still often be under $20 per month.

You can also purchase riders to increase your coverage for specific belongings, so if a basic policy only covers $1,000 worth of jewelry but you have a $5,000 ring, a rider could make up the coverage difference.

Riders are also available to add to your policy that cover you and your belongings in more situations. For example, renters insurance policies don’t cover earthquakes, but you can purchase a rider so that you will be covered in the event of a seismic disaster.

These additions can be as low as a few more dollars a month, or in some cases, even less than that.

Read more about popular renters insurance riders, floaters, and endorsements.

How can you save on renters insurance?

You can lower your insurance rate by increasing the number of safety and security features in your home. Many renters insurance companies offer discounts if you have one or more of the following features in your home:

  • Local fire/smoke alarms (sounds in home)
  • Central fire/smoke alarms (alerts monitoring system)
  • Automatic sprinklers
  • Fire extinguisher
  • Local burglar alarm (sounds in home)
  • Central burglar alarm (alerts monitoring system)
  • Deadbolt lock

Some companies also offer discounts if you bundle your renters insurance plan with another plan, like auto insurance, or if you pay your annual premium at once instead of monthly.

Finally, another huge way to save: increase your credit score. This one takes time, but as your score gets higher, you can get better renters insurance rates.


Colin Lalley is a writer for Policygenius, an online life insurance site with one purpose: “To get people the insurance coverage they need and make them feel good about it.”’ Please note that this editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you. 
This post originally appeared on Policygenius.

What States Are Saying About Those 2017 Migration Reports

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So maybe you read our massive migration report roundup we published last month. You can bet the states in those reports did too.

What do the states themselves make of all that inconsistent and sometimes flat-out contradictory information—especially the less than flattering states? Let’s see what our journalists and analysts across the country have to say about the numbers.

The Word From Inbound State Winners

Oregon

Oregon’s Register-Guard touts their home state as “among the nation’s top moving destinations”, though according to Atlas, they are merely in America’s top 16%. The Register backs up their United and Atlas references with a few figures from the US Census Bureau as they state that “Oregon added nearly 57,000 residents between July 2016 and July 2017, and more than 80 percent of that growth was from people moving in, rather than from births outpacing deaths.”

Forecasting a sustainability issue with these US Census findings is this report from the Oregon Office of Economic Analysis which tells us that “expectations are for population growth to taper in the short-term.”

In addition, we are told that “moving forward, Oregon’s population growth will increasingly rely on migrants.”

In other words, if Oregon wants to continue to grow they’ll need to reverse the tide carrying them toward balanced migration.

But some remain bullish on Oregon’s future. Portland’s KOIN News tells us that not only was Oregon the nation’s ninth-fastest growing state in 2017 but the housing crisis – putting the average Portland home in the $350,000 range and a two-bedroom apartment around $1,300 per month – may be starting to abate.

Apartment List says that after rising through August 2016, rents in Portland dropped the rest of the year and are now down 1.7 percent from last January, including a 1.0 percent drop last month,” goes the quote. “Abodo (another apartment finder) also says the rent for a one-bedroom apartment in Portland dropped 0.95 percent last month…Rents may continue to decline through 2018 because so many new apartments are coming online in Portland.”

This, naturally, is good news to those of us serving all the apartment-renting DIY movers out there.

Idaho

Meanwhile, In Idaho, Oregon’s neighbors to the east are taking a less constrained, less empirical view of the recent migration findings. Realtor Lynette Neibaur tells KMTV of Twin Falls, Idaho “I think people are just kind of realizing how cool Idaho can be.”

United’s stats, however, suggest otherwise as roughly one-third of Idaho’s inbound moves were based on employment, with the influence of family not far behind. Granted, Idaho may be trending as a cool place to live as close to half of the state’s inbounders gave retirement or lifestyle as a reason behind their relocation.

Alabama

Down in Alabama, the new mantra for economic development is not “follow the money” but, as Lawrence Specker of AL.com puts it, “follow the furniture”. After a six-year inbound stretch starting in 2003 Alabama fell into a balanced funk in 2009. This year they once again join the inbound ranks at #10, perhaps causing one to wonder if the Gem State may be getting their mojo back.

But all is not crimson as a rose down in Birmingham. “It’s only one data point,” says University of South Alabama associate sociology professor Doug Marshall. “United’s report blurs regional differences and omits some possibly relevant factors.”

Also significant are the age breakdowns of inbounders and outbounders. Alabama lost residents in the Under-35 bracket as well as the 45-54 age group. Their 55-and-overpopulation, meanwhile, is evidently on the rise. This could be taken as an indication that Alabama’s workforce is getting older as their retired population increases. 60% of inbounders gave employment as a factor in their move (but so did 75% of outbounders).

Then again, Professor Marshall points out that United’s numbers “are all about who’s moving, not who’s working.” Alabama’s goal “hasn’t been to attract new workers to the state, it’s been to provide jobs for people who are already here.”

So where is the bulk of Alabama’s workforce coming from? And is that workforce really getting older? Is Alabama really on the cusp of another six-year inbound stretch?

Only time will tell. For now, we’ll just let them bask in the glow of their inbound status. And their college football national championships.

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Nevada

The Las Vegas Review Journal starts out its report on United’s findings on a high note, reveling in the high number of people moving to Nevada to retire and an even higher percentage moving in for employment. But that news is tempered with the fact that an even higher percentage is leaving the state for employment. Before we get to deep into these particular numbers we turn to economist Michael Stoll, who appears in countless news articles on the subject of United’s numbers.

“The numbers are deceiving,” he says, claiming that the recent decrease in people moving to Nevada for work “translates to an increase in people moving into Nevada under 35” since that sector of the workforce is generally less able to afford a full-service moving company like United.

While Mr. Stoll might sound a bit overly-speculative, some numbers from the US Census Bureau back this up. Specifically, the median age of adults in southern Nevada has fallen from just over 40 in 2000 to just under 36 in 2016. Couple this with the fact that the apartment rental market has been trending toward higher rents and lower vacancy rates, and there’s reason to believe that there are plenty of younger professionals moving in without the help of the major van lines.

Arizona

Speaking on behalf of Arizona a year ago, the folks at AZCentral.com got all excited with their “Arizona Cracks Top Ten” article. “Arizona might be emerging as a hot destination for newcomers,” they begin, soon adding the fact that they didn’t make the top ten in 2015.

In their excitement, however, they missed the fact that North American had them ranked as the nation’s number two top inbound state, not only in 2016, but in 2015 as well.

This year they managed a 55% inbound rate on United’s survey, which matches Alabama’s numbers. United, however, put Alabama in their #10 slot, nudging Arizona back off the top ten list. This may be the reason we’ve had no luck finding any talk coming out of Arizona this year about their inbound-outbound migration.

They really should really take a look at the 2017 report by North American Van Lines—where they are ranked number one.

The Word From Outbound State Losers

Illinois

No matter which van line survey Illinois looks at, they find themselves the outbound “champion”.

FOX32 News in Chicago handled it by simply breezing over the story (And since they certainly won’t say it, we will: Illinois has been an outbound state every single year for United since 1979, the earliest year shown on United’s interactive map.)

The folks at Illinois Policy are less shy about confronting the situation, pointing out that their state fared worst on every major van line report out there before offering up a variety of sobering stats: Pennsylvania has moved ahead of Illinois in terms of overall population.

Since 2010, Illinois has lost the equivalent of their largest four cities after Chicago; in 2015 the state lost $4.75 billion in revenue from outbound migration, which further stresses the already heavy property tax burden shouldered by those still around.

With the very real prospect of more Illinoisans leaving the state to escape what are among the nation’s highest property taxes the situation seems like a downward spiral that will prove extremely challenging to reverse.

Indiana

Poor Indiana. Our economist friend Michael Stoll echoes that sentiment in this Indiana Public Media piece, suggesting “once a state becomes high outbound, it’s hard to reverse.” The same article features billboards in Indiana that essentially rip on Illinois’s high taxes (“Stillinnoyed?”) in an effort to lure people across the state line.

And yet, Indiana ranked as an outbound state on United’s study every year from 1993 to 2009. Since then, they’ve managed to rank as balanced, except in 2015, when a dozen states formed an “outbound yellow” line stretching from Massachusetts clear out to Kansas.

Indiana may have slowed (if not entirely halted) their outbound migratory trend – they were still 54% outbound in 2017 – but the outlook isn’t all Little House on the Prairie. “They’ll have to increasingly rethink their economic base,” says Stoll. “Indiana is a more diversified economy now but specialization might be something that Indiana will have to think about.”

On a side note, almost half of Indiana’s outbounders (48%) were from the Under-45 population while a little over half (51%) were over 55.

Unfortunately for Indiana, this graying-over may be about the only thing they have in common with Vermont.

Iowa

On the other side of Illinois, the folks in Iowa aren’t shy about expressing their utter confusion on the subject. “Are we coming or going?” asks the Des Moines Business Record. A fair question, perhaps, as Iowa in 2017 was 56% outbound according to Atlas, balanced (51% inbound) according to North American, balanced but precariously close to outbound (54%) according to United, and, taking U-Haul’s figures into account, the nation’s twelfth-ranked state for 2017 in terms of growth.

Maybe Iowa should go with the US Census Bureau’s stats. From 2016 to 2017 Iowa gained a grand total of 11,018 people. Which may mean they aren’t really going anywhere.

Ohio

East of Indiana, the folks at the Toledo (Ohio) Blade lumped their state’s #7 outbound ranking by United with the larger picture of the northeast and Midwest populations choosing to “leave cold, gray climates for warm, scenic places.” We’re not sure we can wholeheartedly with such a simple summation since 65% of outbound responders cited employment as a factor in relocating while less than 7% mentioned lifestyle.

But the Blade deserves kudos for looking at the in-state success story of Columbus – “among the fastest-growing cities in America” – and raising the issues that Toledo needs to address if they want to see similar growth and progress.

New York and New Jersey

In a similar spirit of facing their failings head-on, New York’s NBC News 4 pulls no self-directed punches, leaving #1 Illinois out with their headline “New Jersey, New York, Connecticut ‘Most Moved From’ States in America.” I’m sure New Jersey appreciates that.

“People are continuing to flee the tri-state area,” the article begins before tossing out various factors and percentages from United’s report (and a quote from Mr. Stoll) before finally, down at the bottom, mentioning that Illinois was the top migration loser.

New Jersey previously held the top spot for 5 consecutive years,” they add in a seeming effort to keep the attention, no matter how negative, on themselves.

Even the photo at the top of the article contains a measure of failure. (Note the bottom box on the mover’s hand truck.) And like Arizona, they fail to make themselves look any better by ignoring other van lines’ reports. According to North American, New York only ranks #8 on the outbound list. Similarly they are #7 according to Atlas, who doesn’t even have New Jersey or Connecticut in their top ten.

Then again, who would expect New York to bring up any report that makes New Jersey and Connecticut look better than them?

Connecticut

Connecticut, on the other hand, did use the Atlas findings to contrast their dismal standing with United. “Connecticut had only a small number of outbound households outnumbering inbound moves,” they report. Then they use some metropolitan area-related numbers from the US Census Bureau to point out that in the past year “southwestern Connecticut drew roughly twice as many new arrivals from New York as households headed in the opposite direction.”

Expect New York to comb through the US Census Bureau’s stats next year to find a way to jab back.

Connecticut could also take a page out of Iowa’s playbook and use U-Haul’s numbers to pretty up their picture. According to this piece on Cision, Connecticut comes in at #8 in terms of one-way U-Haul truck rentals throughout the US. Taking into account their rise from #42 in 2015 and #17 in 2016 Connecticut could almost claim they are on the inbound comeback trail.

And hey! Illinois! U-Haul said that you’ve been replaced by California as the biggest net loser! Better luck next year.

Every Major Moving Report of 2017 Analyzed: Where Is Everybody Going?

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Migration reports are out in full force, including the famous United Van Lines yearly report.

But while United handles more moves annually than any other mover network in the country, their numbers are not definitive across the industry board.

North American, Atlas and Allied all see slightly – and in some cases, wildly – different results in their migration study results. Not a surprise, because as a Full Service move provider, United handles a somewhat different clientele compared to companies like ABF, U-Haul and PODS – companies whose numbers might look a lot different. Then there’s that little thing called the Census.

Yep, the state-to-state migration numbers for 2017 are out – and folks, we have new inbound state championsHere are the results:

United Van Lines

Vermont Takes United 2017 Inbound Crown

In 2015 they came in at third on the inbound rankings. In 2016 they inched their way up to number two. Now, this tiny state known mainly for skiing and maple syrup has captured the coveted top inbound spot on United’s 2017 National Movers Study.

Yes, the champagne is indeed flowing like syrup in Stowe, Killington and Montpelier as Vermont looks back on a year that saw a whopping 68% of their interstate moves coming in. 

Reasons

According to United’s survey, “family” was the most common reason respondents gave for relocating to the Green Mountain State. Retirement, lifestyle and job also figured fairly evenly into the equation.

On the other hand, a full 75% of people moving out of state gave employment as their reason. This helps explain why half of all outbounders fell into the Under-35 age category – and another 25% were between 35 and 45 – while 40% of those moving into the state were 65 or older.

Those mountains may be green, but with those unemployment numbers, it looks like the valleys are starting to turn gray.

But before we start replacing all those ski lifts with wheelchair-friendly escalators, let’s take a step back and look a little closer at where the stats behind Vermont’s inbound crown come from. Keep in mind we don’t know how many moves Vermont actually saw by their report. (68% can be broken down to 17 inbound moves and 8 outbound moves – which hardly amounts to a mass migration to this land of wooden bridges and Bernie Sanders.)

Inbound:

1. Vermont
2. Oregon
3. Idaho
4. Nevada
5. South Dakota
6. Washington
7. South Carolina
8. North Carolina
9. Colorado
10. Alabama

This past year saw some familiar names on United’s Top Ten Inbound States list. Oregon, Nevada and North Carolina are all there, as they have been every year since 2011. Washington, Idaho, South Dakota, South Carolina and Arizona are also back after making 2016’s inbound list. Newcomers include Alabama and Colorado. Meanwhile, Florida has dropped off the inbound list after a strong three-year run.

This past year’s top inbound states are also fairly spread out around the country. The same cannot be said about United’s outbound states.

Outbound:

1. Illinois
2. New Jersey
3. New York
4. Connecticut
5. Kansas
6. Massachusetts
7. Ohio
8. Kentucky
9. Utah
10. Wisconsin

As with the previous few years, the major exodus seems to be coming out of the Northeast and the Midwest, with Utah adding a little “outbound yellow” to the otherwise blue western region on United’s interactive migration map.

Perennial outbound states New York, New Jersey, Connecticut and Illinois have been the most unfortunate ones; we’d have to go back to 2010 to see any of them as balanced. (New York and Connecticut were both spared the shame that year).

North American Moving Services

northamerican.com

Arizona Takes North Americans 2017 Inbound Crown

North American’s inbound champ is Arizona, with 67% of their interstate moves coming into the Grand Canyon State. Other top inbounders not on United’s list include Tennessee, Florida, Georgia and Texas – all south and southeast states. (Those North American drivers must really love the south.)

Inbound:

  1. Arizona
  2. Idaho
  3. North Carolina
  4. South Carolina
  5. Tennessee

Outbound:

  1. Illinois
  2. Connecticut
  3. New Jersey
  4. California
  5. Michigan

Like United, North American has Illinois, New Jersey and Connecticut at the top of their outbound list (with New York a notable #8). But the rest of their top outbounders – California, Michigan, Pennsylvania, Minnesota and Maryland (#4-8 on the map) aren’t even on United’s radar.

Interestingly, North American’s #10 outbounder is Washington, which ranks #6 on United’s inbound list.

In accounting for these discrepancies, it is worth noting what North American says of their report’s methodology:

We define the top inbound and outbound states as those that have the highest proportion of moves where the absolute value difference of inbound and outbound moves is greater than or equal to 400. This weeds out states that had a small number of moves but would have a high ratio of inbound/outbound moves.”

This may explain why United’s 2017 champ Vermont and #5 South Dakota (United’s #1 in 2016 by the way) aren’t anywhere on North American’s Top Ten.

Atlas Van Lines

atlasvanlines.com

Washington Takes Atlas 2017 Inbound Crown

Atlas Van Lines offers some relative surprises too. Idaho, Washington and Nevada as their top three inbounders may not raise any eyebrows. But Alaska, Maine and New Hampshire at #5, #6 and #10? Oregon is a familiar name, but seeing them at #8 seems in contrast to their recent United Van Lines inbound championships.

Atlas’s top outbounder, meanwhile, is Illinois (same as both United and North American – those Fighting Illini have a real stranglehold on that top spot!). And their #2, West Virginia, was a strong outbounder for United for six years straight before balancing out in 2017.

But Nebraska at #3? Nebraska has been balanced for United since 2001! And #4 outbounder South Dakota has been an inbound darling for United the past three years.

Rounding out the Atlas top outbound list are Hawaii, Indiana, Delaware and Louisiana, all of them somewhat surprising since three of them have spent the last ten years on United’s “balanced” register. Only Indiana has managed to make a blip on United’s outbound radar in that time frame.

Inbound:

  1. Idaho
  2. Washington
  3. Nevada
  4. Tennessee
  5. Alaska
  6. Maine
  7. North Carolina
  8. Oregon
  9. Alabama
  10. New Hampshire

Outbound:

  1. Illinois
  2. West Virginia
  3. Nebraska
  4. South Dakota
  5. Hawaii
  6. Indiana
  7. Delaware
  8. New York
  9. Louisiana
  10. Kansas

In contrast to the percentages United and North American provide, Atlas gives actual numbers of inbound and outbound moves for each state. Here we see that Vermont has seen just a fraction of the moves so many other states see, so it’s easy to imagine why they wouldn’t have made it onto North American’s list. (Meanwhile, once again, Canada’s Yukon Territory has seen zero moves. We’ll blame it on the roads.)

Allied Van Lines

allied.com

Florida Takes Allied 2017 Inbound Crown

Allied Van Lines keeps it all very short and sweet. They report only their top fives:

Inbound:

  1. Florida
  2. Arizona
  3. North Carolina
  4. South Carolina
  5. Texas

Outbound:

  1. California
  2. Illinois
  3. Pennsylvania
  4. New Jersey
  5. Michigan

Based on this limited report, we’re able to come to at least one solid conclusion: Allied’s drivers love moving people south even more than North American’s do.

U-Haul

Texas Takes U-Haul 2017 Inbound Crown

Because news outlets predominately focus on Full Service van lines, it can easily be argued this eliminates an entire sector of the migrating public. (In fact, Full Service van lines actually conduct less than half of all moves performed in the US every year.)

Do U-Haul’s numbers reflect what the van lines suggest are moving trends?

Nope.

Inbound:

  1. Texas
  2. Florida
  3. Arkansas
  4. South Carolina
  5. Tennessee
  6. Washington
  7. North Carolina
  8. Connecticut
  9. Colorado
  10. Vermont

Outbound:

  1. California
  2. Illinois
  3. Pennsylvania
  4. Michigan
  5. Massachusetts
  6. New Jersey
  7. New York
  8. Arizona
  9. Maryland
  10. Georgia

Texas tops U-Haul’s 2017 Growth States list. This shouldn’t come as a huge surprise, as Texas has fared well recently in the inbound-outbound game. In 2017 their inbound percentages with United, North American and Atlas were 54, 53 and 53, while Allied put Texas down as their fifth biggest inbound state.

Oddly, Texas won U-Haul’s Growth State crown by bringing in – get this – a whopping 50.3% of all one-way truck rental traffic crossing Texas’s borders. That’s right. Fifty. Point. Three.

This hardly lends a whole lot more understanding to the migration trends we’re trying to dissect. But here we are, so let’s keep moving.

U-Haul rounds out its top five Growth States with Florida, Arkansas, South Carolina and Tennessee. Yes, Arkansas – which has been balanced on United’s report 37 of the last 40 years. Then again, Arkansas remained balanced in 2017 on United’s ledger with a 54% outbound rate, so that they are U-Haul’s #3 Growth State is rather surprising no matter how minuscule their positive U-Haul balance might have been.

And who comes in at #8 on U-Haul’s list? That big loser with United and North American (but not with Atlas), Connecticut.

On the flip side, U-Haul has Colorado at #9 – exactly where United and North American have them.

United States Census Bureau

Idaho Takes United States Census Bureau 2017 Inbound Crown

Yes, the Bureau has all the moving numbers we could possibly want. So many, in fact, that it could take until next January to weed through them all.

But thanks to Business Insider we don’t have to.

In this piece with the strangely long title: While the Bureau considers “a variety of components” in determining what’s happening among the more than 325 million people who make up the US population, Business Insider brings us what we need: domestic migration.

Here we see the net population gain or loss for each state for 2017. Births, deaths and international immigration are not counted; this is simply and strictly an account of how many people moved into or out of each state. (Again, not moves, but individual people.)

Inbound:

  1. Idaho
  2. Nevada
  3. South Carolina
  4. Oregon
  5. Arizona
  6. Washington
  7. Montana
  8. Florida
  9. Colorado
  10. North Carolina

And in this, the winner is Idaho, with a net domestic migration gain of 14.6 people per 1,000 residents. In second place comes Nevada, with South Carolina, Oregon and Arizona rounding out the top five. The second half of the big ten winners are Washington, Montana, Florida, Colorado and North Carolina.

These results actually mirror the van lines’ findings to a striking degree. Only Arizona, Montana and Florida don’t show up in United’s top ten. Seven of the Census top ten are also on North American’s top ten. Unbelievably, Colorado is #9 on all three lists.

As for the Net Domestic Migration losers? Yes, Illinois is up there, but at #5, maybe this is the survey they should be talking about in Chicago.

Outbound:

  1. Wyoming
  2. Alaska
  3. New York
  4. Hawaii
  5. Illinois
  6. North Dakota
  7. New Jersey
  8. Connecticut
  9. Louisiana
  10. West Virginia

The big loser in the 2017 migration tournament is Wyoming, a surprise since the Equality State doesn’t show up on any van line outbound lists – or inbound for that matter. United had them at 53% inbound for 2017. North American had them at 54% in. Only Atlas has them as outbound – based on a grand total of 330 moves.

The Bureau’s next three biggest net migration losers are Alaska, New York and Hawaii. Alaska and Hawaii, neither of which show up anywhere for United or North American, are Atlas’s #5 inbound and #5 outbound, respectively. North Dakota, New Jersey, Connecticut, Louisiana and West Virginia complete the Bureau’s top ten.

Again, while there are outbound wild cards, we still see some consistency between the Bureau and the van lines. Atlas and the Bureau actually have seven migration losers in common between their top tens. Looking at the US Census Bureau’s Net Domestic Migration map we can clearly see the winners clustered in the south and west with the losers dominating the northeast and midwest.

What’s The Takeaway?

Remember, the numbers put together by each of the van lines represent the migration trends among the customers they’ve served. Van lines count moves, the Bureau counts people.

This may not account for the reason United’s inbound champion Vermont is somehow a net loser according to the Census Bureau’s numbers, but it does suggest that, despite the discrepancies, the van lines and the Census Bureau can give a decent overall on what is going on out there.

But in the cases where data remains too contradictory to be meaningful, evaluating regions rather than individual states might give us a slightly more reliable picture of the migration trends playing out across the US. At the end of the day, we are only looking at a mere slice of the American migratory pie.

There’s More Realistic Data Out There

We need another, more encompassing way to look at where America is moving to and from.

DIY Moves and Hybrid Moves (besides U-Haul), which by far and away are the more common ways to move, are sorely misrepresented. When you move, do you routinely call up $2,000+ movers? Have you ever saved money by having your friends move you? What are these Full Service reports actually reflecting?

That’s something to keep in mind when the local news sounds off on “moving trends” based off a single Full Service Moving company’s report. 

7 Things I Learned When Downsizing From a House in California to a Shoebox in NYC

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Category: Organization

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Full disclosure: I’m a child of the suburbs. I grew up in sprawling northern California, where trips to used bookstores and the mall are practically pastimes. There wasn’t much spatial constraint when it came to accumulating things. If I picked up a tchotchke, there would definitely be a place for it somewhere in my home.

(more…)

Silicon Valley House Rep. Wants Some Talent to Move Away

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Ro Khanna, US Representative for California’s 17th District, is not acting like your typical politician.

“I care about my district,” says the 39-year-old former Department of Commerce official. “But we also have an obligation to the nation.”

He is urging his talent to move away.

(more…)

Which States Gained and Lost the Most People From Moving Last Year? We Break It Down

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[Synopsis: As United, Atlas reveal their annual migration stats, states try to explain themselves.]

United Van Lines has done it again!

They’ve released their nationwide migration statistics for the year, that is. And right off the bat, we see some small surprises.

(more…)

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