Car Insurance for Two Cars in Different States
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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, mainly in the insuranc... Full Bio → | Reviewed by Leslie Kasperowicz |
UPDATED: Oct 18, 2021
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Important facts to know...
- You can have car insurance in two different states if you have multiple cars. Typically, it involves different policies.
- People who spend part of their time in a second state often keep a vehicle there and register/insure it there as well.
- Most states will require that you carry insurance when you register a vehicle in that state.
- For the most part, you should register and insure your vehicle in the state where it is commonly driven.
- Your car's physical location is most important to your insurance company.
Can you have car insurance in two states? When life takes you to several different states within the course of a year, making sure you have the right car insurance to protect you in the event of a theft or accident can be confusing. Traveling itself can be stressful; tack on a sudden accident and you might think your only choice is to panic. However, the rules are pretty simple when it comes to these situations, and we'll walk you through your options.
There is a lot to consider, but the quick answer to whether or not you're covered across state lines is yes. If you're insuring your vehicle in a split-state situation, your provider is going to be mostly interested in where the car is physically located for the majority of the time.
So, if you're wondering, "can I insure a vehicle in another state?" or, "can I have car insurance from another state?" please read on for more information on getting car insurance in a different state. When you're ready to find affordable car insurance in two states, or even more than that, enter your ZIP code above to compare car insurance rates in two states from multiple companies at once.
Where does your car reside?
When living in two states, car registration and insurance may seem complicated. Let's take a look at a hypothetical situation that's quite common among those considering gettingcar insurance in another state.
- Do you have one vehicle that you leave in Florida all year? If that's the case, you'll want to register that car in Florida and purchase a Florida insurance policy to cover it.
- Do you bring a car with you to Florida that spends more time in Ohio? In that situation, the proper handling would be to insure it in Ohio.
- Do you split your time equally between the two states? If this is the case, you can choose the state insurance and registration that is least expensive.
If you're insuring your vehicle in a split-state situation, the insurance company is mostly interested in where the car is physically located for the majority of the time.
When consideringcar insurance in another state, legal residence is important, but less of a concern than where the car is primarily located and driven.
Enter your ZIP code below to compare car insurance company rates. Additionally, insurance requirements might differ from one state to another. For instance, Ohio has state minimum requirements of $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage (25/50/25). In Florida, required insurance is $10,000 for personal injury protection (PIP) and $10,000 for property damage liability (PDL). Of course, to protect yourself best, carrying higher policy limits might be wise, such as 100/300/100. For a list of car insurance requirements by state, look at the chart below. Car Insurance Requirements by State Get Your Rates Quote Now Compare RatesStart Now → Additionally, havingcoverage to repair your vehicle in the event of a loss requires comprehensive and collision coverage as well. Also, keep in mind any limits imposed by your lending company or employer. Can my car be registered in one state and insured in another? Well, continuing with our hypothetical example, if you buy a car while you spending your winter in Florida, most dealers will title and register it in Florida unless they are instructed otherwise. Because of this, If you're planning to remove this vehicle from the state and drive it primarily in Ohio, you need to add it to your Ohio insurance policy. You also must register it with the Ohio Department of Motor Vehicles. This can be done via mail. If it's a pre-owned vehicle that is subject to EPA inspection, there's a temporary waiver available to accomplish this until you get back to Ohio. If the vehicle will stay in Florida, insure and register it within the state as normal. Do not allow the dealer to add this vehicle to your Ohio insurance policy, as this can cause you problems with the state of Florida. If you have a Florida registration and license tag, you must have a Florida insurance policy on your vehicle. If you're interested in gettinginsurance in a different state than registered, compare rates from different companies using our comparison tool. Enter your ZIP code below to compare car insurance company rates.
Secured with SHA-256 Encryption Do insurance requirements differ by state?
State Insurance required Minimum liability limits AL BI & PD Liab 25/50/25 AK BI & PD Liab 50/100/25 AZ BI & PD Liab 15/30/10 AR BI & PD Liab, PIP 25/50/25 CA BI & PD Liab 15/30/5 CO BI & PD Liab 25/50/15 CT BI & PD Liab, UM, UIM 25/50/20 DE BI & PD Liab, PIP 25/50/10 DC BI & PD Liab, UM 25/50/10 FL PD Liab, PIP 10/20/10 GA BI & PD Liab 25/50/25 HI BI & PD Liab, PIP 20/40/10 ID BI & PD Liab 25/50/15 IL BI & PD Liab, UM, UIM 25/50/20 IN BI & PD Liab 25/50/25 IA BI & PD Liab 20/40/15 KS BI & PD Liab, PIP 25/50/25 KY BI & PD Liab, PIP, UM, UIM 25/50/25 LA BI & PD Liab 15/30/25 ME BI & PD Liab, UM, UIM, Medpay 50/100/25 MD BI & PD Liab, PIP, UM, UIM 30/60/15 MA BI & PD Liab, PIP 20/40/5 MI BI & PD Liab, PIP 20/40/10 MN BI & PD Liab, PIP, UM, UIM 30/60/10 MS BI & PD Liab 25/50/25 MO BI & PD Liab, UM 25/50/25 MT BI & PD Liab 25/50/20 NE BI & PD Liab, UM, UIM 25/50/25 NV BI & PD Liab 25/50/20 NH FR only 25/50/25 NJ BI & PD Liab, PIP, UM, UIM 15/30/5 NM BI & PD Liab 25/50/10 NY BI & PD Liab, PIP, UM, UIM 25/50/10 NC BI & PD Liab, UM, UIM 30/60/25 ND BI & PD Liab, PIP, UM, UIM 25/50/25 OH BI & PD Liab 25/50/25 OK BI & PD Liab 25/50/25 OR BI & PD Liab, PIP, UM, UIM 25/50/20 PA BI & PD Liab, PIP 15/30/5 RI BI & PD Liab 25/50/25 SC BI & PD Liab, UM, UIM 25/50/25 SD BI & PD Liab, UM, UIM 25/50/25 TN BI & PD Liab 25/50/15 TX BI & PD Liab, PIP 30/60/25 UT BI & PD Liab, PIP 25/65/15 VT BI & PD Liab, UM, UIM 25/50/10 VA BI & PD Liab, UM, UIM 25/50/20 WA BI & PD Liab 25/50/10 WV BI & PD Liab, UM, UIM 25/50/25 WI BI & PD Liab, UM, Medpay 25/50/10 WY BI & PD Liab 25/50/20 #blank# #blank# How can you avoid insurance problems?
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Car Insurance for Two Cars in Different States
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