Can your car be registered in one state and insured in another?
Asked by: Marietta Auer DVM | Last update: October 29, 2025Score: 4.2/5 (46 votes)
Does your car insurance have to match your registration state?
In general, your car must be registered and insured in the same state, since both vehicle registration and auto insurance are based on your permanent residence. In fact, using an address for insurance that's different from the primary residence where you keep your vehicle is a form of insurance fraud.
Can you have cars insured in two different states?
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.
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.
Do I need to change my car insurance if I move states?
There are several factors to consider while planning your move, including your auto insurance policy. If your new home is in a different state, you may wonder, “Do I have to change car insurance when I move states?” The short answer is yes.
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Is it illegal to insure a car in a different state?
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.
Can I keep my 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.
Does my car have to be registered in the state I live in?
California allows nonresidents to register a vehicle in the state if the car is based in California or primarily used on California highways.
Is it illegal to have car insurance at a different address?
Keeping your car insurance registered at a different address can be viewed as misrepresentation, resulting in severe consequences. If your insurance provider discovers that you are lying about the address on the car insurance, they may deny your claims or cancel your policy altogether.
Can registration and insurance be in two different names?
Many people wonder whether their car insurance and registration have to be under the same name. Although state laws generally permit them to be under different names, insurance providers may have varying policies. Moreover, having these documents under different names can also cause delays in the claims process.
Does my driver's license have to match my car registration?
Generally speaking, your driver's license and registration need to match. This means that these documents should have the same home address.
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 insure a car that is not at your residence?
If you're homeless and in need of car insurance, keep your vehicle at a friend's house and use that address for your quote. It's critical that you park the vehicle at this location when it's not in use.
Does it matter what state your auto insurance is in?
Although you don't have to change car insurance when moving states, it often makes sense for drivers to make the switch. Insurance agents are typically licensed only in a single state, and different states have different laws about insurance coverage.
What happens if you don't change your car registration?
Different states will have different penalties if you're caught driving an unregistered vehicle or a car with expired registration around, but you can expect to pay expensive fines, receive a warning or ticket, and even have your car towed.
Am I liable if my name is on a car title?
The quick answer is that person is going to be responsible if the responsible is just lending somebody a car or having somebody as co-title on the car. It's not going to mean that they are instantly responsible.
Can I register my parents' car in another state?
States That Allow Non-Resident Vehicle Registration
You can register a vehicle in a state you don't live in if you're in one of the following 10 states: California. Delaware. Indiana.
Do insurance and registration have to match?
Does your car insurance and registration have to be under the same name? Insuring and registering your car under different names is allowed in most states. However, in those states that allow it, insurers still might not underwrite a policy to a name different than that of the registered vehicle owner.
Does my car insurance have to match my drivers license address?
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 insure my car in another state?
Insurance companies normally require you to insure the vehicle in the state where the car will be driven for the majority of the year. There may be some exceptions for military members and students who attend school out of state, but you will need to check with your insurance provider.
How do I transfer my car registration to another state?
Visit the DMV: Schedule a visit to your state's Department of Motor Vehicles (DMV) or its equivalent agency to start the registration process. Submit documents: Present the necessary documents, including identification, residency proof, vehicle title and insurance information.
Can I register my car in Florida with an out of state license?
The only photo identification acceptable are: (1) a Florida, out-of-state, US territory, Canadian driver license or a state issued ID card with photo, or (2) a valid passport of any country. 3. Bring in your original title if in your possession.
How to switch state insurance to another state?
If you move to a different state
When you move out of state, you'll need to start a new Marketplace application and enroll in a plan in your new state. How you apply depends on whether your new state uses HealthCare.gov or its own website.
Can I still be on my parents car insurance if I move out of state?
No, insurers typically require all vehicles insured on the same policy to be kept at the same address.
What states does Blue Cross Blue Shield cover?
BCBS understands and answers the needs of local communities, while providing nationwide health care coverage for 115 million members in all 50 states, Washington, D.C., and Puerto Rico.