Moving from Missouri to Indiana
At roughly 416 miles, moving from Missouri to Indiana is a short interstate move — close enough that many people rent a truck and drive it themselves in a day. Here's the full checklist so nothing slips through.
Generate My ChecklistMO vs IN at a Glance
Income Tax
Sales Tax
Time Zone
You'll be changing time zones
Distance
Moving Cost
Professional move, 2–3 BR home. Summer +20–30%.
Before You Leave Missouri
File Form MO-1040 as a part-year resident
Attach Form MO-CR or Form MO-NRI. Use the one that gives you the lower tax. MO-NRI taxes only the income you earned while a resident. MO-CR gives a credit for tax paid to another state. Your Missouri domicile continues until you move with the intention to make your permanent home elsewhere.
Source: Missouri DOR, Nonresidents and part-year residentsExpect a full year of personal property tax
Missouri taxes the cars and other personal property you own on January 1. The tax is not prorated. If you own a car on January 1 and move out on January 2, you owe the tax for that whole year.
Source: Missouri State Tax Commission, FAQDestroy or return your Missouri plates
Destroy and recycle the plates yourself, or return them to any Missouri license office. You can also mail them to the Department of Revenue. Missouri statute does not allow a refund of registration fees for unexpired plates. If a renewal notice arrives later, ignore it.
Source: Missouri DOR, Titling and registration FAQIf you sell the car instead, report the sale within 30 days
Remove your plates before the buyer takes the car. Report the sale to the Department of Revenue within 30 days. Use the Notice of Sale (Form 5049) or the Bill of Sale (Form 1957).
Source: Missouri DOR, Selling a vehicleCheck for a city earnings tax
The City of St. Louis charges a one percent earnings tax. Residents pay it wherever their employer is located. If you lived in the city, ask the Collector of Revenue about your final return.
Source: City of St. Louis Collector of Revenue, Earnings taxAfter You Arrive in Indiana
Get a license within 60 days, at a branch
You have 60 days after the move to exchange a valid out-of-state license for an Indiana one. You must do it in person at a BMV branch. New residents must get a Real ID, which has a strict document list. Bring one proof of identity, one proof of lawful status, one document showing your full Social Security number, and two proofs of Indiana residency. A utility, credit card, doctor, or hospital bill counts only if it was issued in the last 60 days. If you cannot produce two, you can ask to sign an Indiana Residency Affidavit instead. You surrender every valid credential from your old state and pass a vision screening. You leave with a temporary license, good for 30 days, while your documents are verified. If your out-of-state license has expired, you take a knowledge exam. If it expired more than five years ago, you also take a skills test.
Source: Indiana BMV, New Indiana ResidentsTitle and register the vehicle within 60 days or pay a penalty
The same 60 days applies to the car. Missing it brings an administrative penalty, not just a late fee. Bring the most recently issued title, proof of your Social Security number, and two proofs of address dated within the last 60 days. The VIN must be inspected. Drive the vehicle to the branch, or have a police officer complete a Physical Inspection of a Vehicle or Watercraft (State Form 39530). If your old state issues electronic titles, request a printed copy from that state first. Give the clerk the date you actually moved, because tax is prorated from it. If a lienholder holds your title, the branch requests it for you. You can buy a 30-day permit to stay legal while you wait.
Source: Indiana BMV, New Indiana Resident PacketEmissions testing applies in two counties only
Only vehicles registered in Lake and Porter counties need an emissions test, and only every two years. It covers vehicles built after 1975 with a gross vehicle weight rating of 9,000 pounds or less. The manufacturer usually prints that rating on the driver-side door jamb. Testing follows the model year: odd-year cars test in odd years, even-year cars in even years. The four most recent model years are exempt, as are antique vehicles under 326 IAC 13-1.1-1. Bring your registration or renewal notice to the station. Keep the test number, because online renewal asks for it. The rest of the state has no periodic safety or emissions inspection.
Source: Indiana BMV, Vehicle Emissions Testing ProgramLiability minimums are 25/50/25
You need at least $25,000 of coverage for bodily injury to or death of one person. You need $50,000 where two or more people are hurt or killed in one accident, and $25,000 for property damage in one accident. You must show proof of insurance to buy the plate, so get the policy before you register. After an accident or certain violations, the BMV mails you a request for verification. Your insurer must then file a Certificate of Compliance electronically within 90 days of that mailing. If it does not, your driving privileges are suspended. Showing your card to an officer at the roadside does not reach the BMV.
Source: Indiana BMV, Proof of Financial ResponsibilityThe homestead deduction is being phased out, so file early
If you buy a home, file for the homestead standard deduction with the auditor in the county where the property is. The deadline is on or before January 15 of the year the taxes are first due and payable. Approved deductions appear on the following year's bill. You do not reapply each year unless the property is sold or the title changes. File promptly, because IC 6-1.1-12-37 shrinks the deduction on a fixed schedule. For assessment dates after December 31, 2024, it is $48,000 in 2025, $40,000 in 2026, $30,000 in 2027, $20,000 in 2028, and $10,000 in 2029. From the 2030 assessment date onward, it is $0. The supplemental homestead deduction under IC 6-1.1-12-37.5 moves the other way. It rises from 40 percent of post-deduction assessed value for taxes due in 2026, to 46 percent in 2027 and 52 percent in 2028. It is capped at 75 percent of gross assessed value.
Source: Indiana DLGF, Indiana Property Tax Benefits (State Form 51781)Register to vote, and watch the precinct clock
Once you hold an Indiana driver's license or state ID card, you can register online at indianavoters.in.gov. The same site updates the address on an existing registration. By mail or in person, file state form VRG-7 with your county voter registration office. Counties accept only the current version of that form, though the federal form stays valid. Separately from the registration deadline, you must have lived in your precinct for at least 30 days before the election. For 2026, the registration deadline was April 6 for the primary and is October 5 for the general election.
Source: Indiana Secretary of State, Register To VoteYour Moving Timeline
8 Weeks Before
At about 416 miles (~7.5 hours), this is short enough to DIY with a rental truck or a single-day mover run. Get 2–3 quotes and compare them against renting.
4 Weeks Before
Notify your utility providers, update your address with USPS, and begin packing non-essential items.
1 Week Before
Confirm with your movers, finish packing, clean your home, and prepare a moving day essentials bag.
Moving Day
Supervise loading, do a final walkthrough of your old home, and hand over the keys.
After the Move
Update your driver's license at the Indiana DMV, register to vote in IN, and set up your new utilities.
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Climate Comparison
Missouri
Humid continental with cold winters and hot, humid summers.
Indiana
Humid continental with cold winters and warm, humid summers.
Utilities & Cost of Living
Missouri
Indiana
Frequently Asked Questions
How far is it from Missouri to Indiana?
The driving distance from Missouri to Indiana is approximately 416 miles — about 7.5 hours of driving at highway speeds.
How much does it cost to move from Missouri to Indiana?
A professional interstate move from Missouri to Indiana typically costs between $1,000 and $3,000, depending on the size of your home and time of year.
- Summer moves (May–September) tend to cost 20–30% more.
How soon do I need to update my driver's license after moving to Indiana?
After establishing residency in Indiana, you have 60 days to update your driver's license at a Indiana DMV office.
- Vehicle registration is a separate transaction with its own deadline, which in most states differs from the license deadline — confirm both with the Indiana DMV before you go.
What is the climate like in Indiana?
Indiana has humid continental with cold winters and warm, humid summers.
- The annual average temperature is 52°F, with about 41 inches of precipitation per year.
- Average monthly electricity bills run around $133.