Can you live in one state and have insurance from another?
Asked by: Tiara Oberbrunner | Last update: April 1, 2025Score: 4.6/5 (34 votes)
Is it illegal to have health insurance from another state?
As the law exists now, you can only buy health insurance in the state where you maintain your permanent address. Your insurance company may not cover you if you move states and do not report this change in address.
Can you have life insurance in one state and live in another?
Whole life insurance policies are primarily portable. This means they can usually be transferred to another state without any issues. However, when it comes to taxes and regulation, there might be some changes involved. This is because the state mainly governs life insurance policies, and every state has policies.
Can I keep my health insurance if I move out of state?
Marketplace plans are state specific, so if you move out of your current state, you'll need to terminate your old state's plan and get a new one in your new state of residence.
Can my car insurance address be different than my registration?
The short answer: yes, your insurance policy, your driver's license as well as your vehicle registration should all have the same (current) address. Let's explore the reasons why you should get this done quickly after a move.
Can I Have Auto Insurance From Another State? - InsuranceGuide360.com
Is it illegal to have your car insured in another state?
If you split your time between two states, you may be able to get auto insurance in either of the two states (but it will not technically be “out of state” since you will be living there). Most often, the rule of thumb is your car must be insured in the state where it is registered.
Can I have a different address on my license and insurance?
First of all, your insurance policy and your driver's license (as well as your vehicle registration) should use the same address. Depending on which insurance company you have, that will determine how quickly you should get this taken care of, but generally it's around 30-60 days.
Can I live in a different state than my insurance?
Car insurance providers often operate in multiple states throughout the U.S. Your current one may provide coverage in your new home state. Check with your insurance agent before you make the move. If your current insurance company doesn't, you'll need to purchase new coverage when your move is complete.
Can I keep my car insurance if I move out of state?
When you move out of state, you'll need a new car insurance policy, even if you can stay with the same insurer. Your insurance company will cancel your old policy because every state has different coverage requirements and regulations.
What insurance is accepted in all 50 states?
Medicare is run by the federal government, which is why Original Medicare coverage is the same in every state and includes nationwide access to providers.
Can you have dual state insurance?
If you keep vehicles at both homes, you'll need a separate policy for each state. For example, if you have homes in Massachusetts and Florida and you keep a car at each residence, each vehicle will need its own policy.
How do snowbirds get health insurance?
Some insurers offer Advantage plans specifically designed for snowbirds. Medicare Cost Plans work well for snowbirds, but aren't available in most states. Original Medicare will cover you anywhere in the nation, but make sure your doctors and hospitals are participating providers with Medicare.
Can you have a resident insurance license in two states?
Once the insurance agent has obtained or renewed their license in their state of residence, they can start the process for out-of-state insurance licenses. In order to abide by the most recent information about what is required, agents can consult the Department of Insurance website.
Does it matter what state I live in for health insurance?
You should buy coverage in the state where you officially reside. Most states consider you a resident if you intend to make that state your permanent home.
Does moving affect your health insurance?
If you move to a different state
It's very important to report moves out of state immediately so you can enroll in a new plan without a break in coverage — and avoid paying for coverage that doesn't apply in your new state.
Will my health insurance cover me out of state?
Some plan types, like PPO or OAP plans, allow for full access to any and all participating providers in that carrier's network, regardless of which state you reside in. Other plan types, like HMO or POS plans, will cover emergency services anywhere in the country but may not cover routine care in another state.
Do I need to tell my car insurance if I move states?
Each state has its own laws and requirements for auto insurance, so you need to update your policy to comply with your new state's regulations. Additionally, factors like your new location, driving environment, and even the distance of your daily commute can influence your insurance rates.
Can your car be registered in one state and insured in another?
Registering a vehicle in one state while holding an insurance policy in another is not permitted for most drivers. This restriction is due to variations in traffic laws and minimum insurance coverage requirements. Attempting to insure a vehicle in a state where you don't live might be insurance fraud.
What happens if I don't tell my car insurance that I moved?
Why Does It Matter If I Forget To Tell My Auto Insurance Company That I Moved? The short answer: Because they can refuse to cover you if you are in a car wreck and failed to change your address.
Can I get car insurance in a state I don't live in?
You can't live in one state and buy car insurance in another. However, there are special considerations for part-time residents, such as college students and snowbirds, who spend winter in warmer climates.
How long can you keep a car registered in a different state?
You can drive a car registered in another state, but there's usually a limit to how long you're able to do so before changing your registration. Generally, you can drive out-of-state for up to 30 days without having to re-register the car.
Can I insure two cars at different addresses?
In some cases, insurance companies will require that all cars be registered to the same address. And others may allow you to combine policies with immediate family members, regardless of where they live. There's a lot to learn about adding authorized drivers or adding another car to your auto policy.
Do you have to live at the same address for car insurance?
If you and your friend don't currently share an address, then they won't be able to be on your car insurance policy — even if they're planning to move in at a later date. However, as soon as they move in and their permanent address is the same as yours, you can update your policy to add your friend.
Does it matter where your car is registered?
However, leaving your car registered in a state where you don't live anymore is illegal in most situations. You risk a fine and jail time if you don't have the correct address on your vehicle registration, and you could be denied insurance coverage if you file a claim.
Does changing address affect car insurance?
Whether you're moving near or far, your insurance rates could change because your ZIP code is a factor auto insurers use when setting their rates. Even a short move across town could result in higher premiums if the move makes your commute longer.