Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 29, 2020

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Things to Remember...

  • Can you get car insurance in a different state than the one you live in? If you move to a different state and don’t tell your insurance company (usually within 30 days), then your insurance company may refuse to honor your insurance contract because you failed to comply with the terms of the agreement
  • Auto Insurance rates vary from state to state
  • If you are a resident of two states, many people simply get their insurance in the state where their vehicle is registered

Can I have car insurance from a different state than the state I live in?

While it is possible to have auto insurance from a state you don’t live in, that doesn’t make it legal. An auto insurance company doesn’t know that you have made a move until you take the time to let them know.

The truth is that thousands of drivers fail to change over their insurance after they move to another state.

The problem is that if you have an auto accident in New York and your insurance is based in Delaware, your auto insurance company may question why you are in New York.

If you reveal that you are living there, then the insurance company can refuse to honor your insurance contract because you essentially lied on your policy by not changing the area in which you live.

This is important because rates and coverages vary from state to state.

The risk of an accident in New York is higher than it is in Delaware, which means that the insurance company charges you more for your New York auto insurance.

If the insurance company can find a way to prove you didn’t change your residence in order to avoid paying higher fees, then you could be charged with fraud.

Enter your ZIP code below and find auto insurance quotes from the best companies in your state and at your current address now.

You Have to Notify Your Auto Insurance Company When You Move

Can you live in one state and have car insurance in another? Most of the time, you need to be living in the same state that you’re insured in.

It’s really important to realize why. Each state has its own distinct set of requirements. The Insurance Information Institute has compiled these requirements as shown in the table below.

Auto Insurance Minimum Requirements by State
StateInsurance required Minimum liability limits
ALBI & PD Liab25/50/25
AKBI & PD Liab50/100/25
AZBI & PD Liab15/30/10
ARBI & PD Liab, PIP25/50/25
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DEBI & PD Liab, PIP25/50/10
DCBI & PD Liab, UM25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
IABI & PD Liab20/40/15
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MDBI & PD Liab, PIP, UM, UIM30/60/15
MABI & PD Liab, PIP20/40/5
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MSBI & PD Liab25/50/25
MOBI & PD Liab, UM25/50/25
MTBI & PD Liab25/50/20
NEBI & PD Liab, UM, UIM25/50/25
NVBI & PD Liab25/50/20
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NYBI & PD Liab, PIP, UM, UIM25/50/10
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VTBI & PD Liab, UM, UIM25/50/10
VABI & PD Liab, UM, UIM25/50/20
WABI & PD Liab25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WIBI & PD Liab, UM, Medpay25/50/10
WYBI & PD Liab25/50/20
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It’s important to check with your state’s insurance department for more information as to how each state is unique. For instance, New York’s DMV requires 25/50/10 but just moving over to New Jersey changes the requirements to 15/30/5.

This is one of the factors that affect auto insurance rates, and that’s a big part of why you’re required to notify your insurer when you move. If your rates are based upon you living in a different ZIP code, your policy can be considered invalid.

Your rates are partially based upon your home address because of factors like theft, vandalism, and fraud in the area.

This video from Shouse Law Group Channel goes over some types of auto insurance fraud, one of which is deliberately using a false address to get coverage.

The worst possible thing that could happen is that you could end up in jail.

This is also the most unlikely scenario as well. Most insurance companies are more interested in getting the money that you owe them than sending you to jail.

However, insurance fraud is a crime and the insurance company doesn’t even have to file charges against you in order for you to be investigated for fraud.

Again, this is very unlikely, but the DA could make the decision to pursue a case against you despite the position of your insurance company, so that is something that you need to be aware of.

The most likely outcome is that your insurance company will charge the difference between your old premiums and what you should have been paying.

In addition, they will most likely refuse to pay for any damages from an accident or act of nature. Lastly, in all likelihood, they will also drop you as a customer.

This could hurt you financially because they will mark on the underwriting profile that you moved out of state and didn’t inform the insurance company.

Other insurance companies may automatically charge you a little extra because there is the chance you will do something like that again in the future.

Can I keep my car insurance if I move out of state? You can keep the same company as long as they operate both states, but you will have to let them know so they can re-write your policy. 

If you make any move at all, you should inform your insurance company immediately. Even a move to a new zip code can affect your rates.

What’s more, your rates could be less, but you won’t know until you talk to your insurance agent or use a quote tool.

Free Auto Insurance Comparison

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What to Do About Auto Insurance If You’re a Resident of Two States

If you are a resident of two states, you have several options. Many people simply get their insurance in the state where their vehicle is registered.

So, if you live in Florida and Georgia because of business, and your car registration is listed in Florida, then you should maintain Florida insurance.

In fact, many states have auto insurance laws that will not allow you to register a vehicle in their state until you have insurance from that state. That is not always the case.

However, it is important that you know your state’s laws before you make any changes to your auto insurance.

If you are moving and you aren’t sure where your car is going to be registered, then your second consideration should be where you are going to spend the most time.

If you are spending three months in Florida and nine months in Georgia, for example, then you may want to consider purchasing insurance in the state where you are going to spend the most time.

Lastly, if you are splitting your time 50/50, then you might want to consider the state with the lowest rates. Then get your car registered in that state and pay insurance through that state.

Don’t forget to discuss this with your insurance agent too. Some insurance companies will require you to maintain the more expensive policy while others will let you decide for yourself.

Free Auto Insurance Comparison

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

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How hard is it to change your address for auto insurance?

How hard is it to make a change to my insurance policy?

Actually, changing your insurance is remarkably easy. All you have to do is call your agent and let them know you want to make a change. It will be done in a matter of minutes.

In fact, there are many insurance companies that allow you to make the changes online so you don’t have to talk to an agent at all.

Before you make a change, however, make sure you take the time to get an auto insurance quote so that you can compare rates and see who will offer you the lowest rates for your new insurance needs.

Free Auto Insurance Comparison

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

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Frequently Asked Questions

We’ve added some more FAQs below.

Can you title a car in a state you don’t live in?

State laws require that you be in the same state that you title a vehicle in.

Can you have a car registered in one state and live in another?

Can I have a car registered in a different state than my license? Can my car be registered in one state and insured in another?

Unless you’re living in two states, car registrations must be in the same state you live in and insure the vehicle in.

Can I be on my parents’ car insurance if I live in a different state?

Although you might be able to be covered on a larger insurance policy if you’re a student, that’s only true for large companies who reach across multiple states. And if you’re not a student, you’ll have to get your own individual policy.

Generally, a college student out-of-state’s car registration can remain in your home state if they’re full time.

Can you drive a car registered in another state?

If you’ve moved to a new state, that state’s DMV has set a period of time you have before it becomes illegal for you to drive the vehicle with out-of-state plates. Typically, that’s within 30 to 90 days.

Enter your zip code below and get free online auto insurance quotes today based upon your new address.