Can You Have A Car Registered In One State And Live In Another? (+ Free Quotes)

Why is lying about your address considered auto insurance fraud?

If you move to a new state and do not tell your insurance providers, you could be charged with misrepresenting material risk, otherwise known as insurance fraud.

Lying about your address is considered fraud because your auto insurance rates are partially based upon your current address.

If you don’t tell your insurance provider your primary address, whether you want a cheaper rate or simply forgot, you’re driving without valid insurance.

When you move, your new city and state’s data and statistics will differ from your old location. The underwriting process must be performed again to ensure that you pay the appropriate amount for your coverage.

Shouse Law Group Channel describes the different types of auto insurance fraud, including deliberately using a false address to get coverage.

According to the National Association of Insurance Commissioners, auto insurance fraud is the most common insurance fraud in the United States.

If you get caught committing insurance fraud, the worst possible consequence is potential jail time. Fortunately, this is also the most unlikely scenario as well. 

Most insurance companies are more interested in getting the money you owe than sending you to jail. However, insurance fraud is a crime, and the insurance company doesn’t have to file charges against you 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 keep this in mind.

Instead of jail time, it is more likely that your insurance company will charge you the difference between your old premiums and what you should have been paying for your coverage.

This is especially true if you mistakenly did not tell your company about your move due to a lack of knowledge about the laws and protocols. 

In addition, your provider will most likely refuse to pay for any damages from an accident that happened when your auto insurance address was incorrect. It is also possible your provider will drop you as a customer. 

If your current insurance company terminates your coverage, it could hurt you financially. It will be marked on the underwriting profile that you moved out of state and didn’t inform your previous company.

Other insurers will see this and may automatically increase your insurance cost because there is the chance you will do something like that again in the future.

Some drivers might now be wondering, “Can I keep my auto insurance if I move out of state with the same company?”

Luckily, you can usually keep the same company as long as it operates in both states. But you will have to inform the provider about your address change so your policy can be re-written to reflect your current registered address. Your registration address is generally where your car is considered stored or garaged; if you drive your car daily, your registration address is most likely your primary residence.

If you make any move, you should inform your insurance company immediately. Moving to a new ZIP code within the larger city can affect your rates. 

Your rates could be lower, but you won’t know until you talk to your insurance agent or use a quote tool.

 

South Dakota car registration requirements

You may register your car in South Dakota if you live out of state. You must have your original out-of-state titles, a copy of your state driver’s license, your social security number, and a Motor Vehicle and Boat Title & Registration application.

Video

Iowa Car Registration Requirements

In Iowa, if you have established residency, you have up to 30 days to register your vehicle within the state. You are required to bring the vehicle’s title.

Should you split registrations and insurance?

The most important thing to keep in mind is that you need to be careful splitting your insurance and registration. Even if you’re temporarily working in another state and have maintained your home state insurance, you should register your vehicle there. Registration is going to be necessary no matter where you are, and is just as important as having proof of insurance in times of an accident. You don’t want to be without these vital pieces of information, plus you want to be able to prove you’re the owner of the vehicle you’re driving, even if you’re out of state.

Most state laws consider you a resident if you’re gainfully employed, regardless of future plans, for a few months. For this reason, they would expect your vehicle to be registered in the state of your residence.

That’s the long and short of it, though it can be a little confusing. Can an auto insurance company refuse to pay? The short answer again is yes. Remember that the insurance company expects to know where your car actually resides and is driven. Make the changes you need to keep yourself compliant.

This will avoid any hesitations or denials of payment in the case of an incident. Before you make your car insurance policy changes, take the extra few minutes to compare rates and review insurers so that you get the best quality and value for your money.

If you’re still confused, you can always speak with an insurance agent, who will be able to give you further information. With the varying levels and types of coverages that are out there, not to mention all the rules and regulations, i<span data-sheets-value="{"1":2,"2":"can you get car insurance from another state"}” data-sheets-userformat=”{"2":6915,"3":{"1":0},"4":{"1":2,"2":16777215},"11":4,"12":0,"14":{"1":2,"2":7829367},"15":"Roboto, RobotoDraft, Helvetica, Arial, sans-serif"}”>t’s always a good idea to speak with your agent about any concerns or questions you have. Clarification will ensure that you’re following whatever insurance laws are in effect in your state, or multiple states as the case may be. 

If your situation calls for it, you’ll need to buy car insurance in two states. If you do end up needing a separate policy, that could become expensive. Though you can ask any of the uninsured drivers out there who have been caught if the increase in price is worth it, and their answer will probably be a resounding yes. For the best prices, enter your ZIP code below to compare car insurance quotes in two states from top companies in your area today.

What if I am a student who lives away from home?

As a student, you might have your car garaged at your parent's home while you attend school out-of-state. Therefore, your vehicle is registered in a different state than the one you currently live in.

When you get your insurance policy, inform your insurer that you're a student away from home. If your car is garaged and registered in another state, you're still liable for auto insurance from the state that you live in.

Progressive offers a Live Away From Home discount to students between ages 16-22. Contact Progressive to get your quote, today!

ABOUT ME

This blog is written by Alex, soon to be Snowbird. Having visited a lot of places in Spain, Italy, Portugal, Asia, and the US I got obsessed with finding the best location for me. I started this blog to also help other people that like to spend a big part of the fall, winter, and spring in a warmer climate. There are so many small and big things that can help to prepare yourself and get the best out of your fall, winter, or spring trip. If you have ideas or other things that can be of help please use the contact form.

#2 – Can your car be registered in a different state than your drivers’ license?

We hear this one asked a lot of different ways. “Can I have a car registered in a different state than my license?” or “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 and ensure the vehicle is in. This should also be the state where your license is from.

Can you register a car in a different state if you are a snowbird?

Do you need to know how to register a vehicle in a different state if you spend roughly equal time in two different states? Auto insurance is one of the complications of owning an out-of-state vacation home. Typically, state requirements force non-residents to have auto insurance for that state if you spend more than 90 days a year in that state. So if you are spending months at your vacation home, you may need to consider registering a car at a vacation home.

For example, can snowbird seasonal residents register a car in Florida? If you spend more than 90 days a year in Florida, for example, then you are required to have Florida auto insurance even if you are a resident of another state. Most other states have similar requirements. Yes, that means you’re going to need two different insurance agents and policies for the same vehicle.

If you decide to leave a car in one state permanently, however, then you might cancel your auto insurance at the end of every season, then surrender your plates and cancel your vehicle registration. Then, you repeat the entire registration and insurance process at the start of the next season. In other cases, your insurance company might offer steep discounts for cars stored securely during the off-season, in which case you don’t have to cancel your auto insurance policy entirely during the off-season.

Compare over 200 auto insurance companies at once!  Secured with SHA-256 Encryption

How do I avoid fraud charges?

Speak to your insurance provider and get clearance for your trips to avoid fraud charges when driving your car between states. By making sure that your insurer knows that you're going out-of-state, you remain covered if you're in an accident.

If you don't, your provider declines your claim and you're vulnerable to a fraud charge if in an accident.

Noteworthy Exceptions When Insuring Your Car In A Different State

In general, your car cannot be registered in one state and insured in another, but there are some exceptions to that rule.

Military Personnel

If you are a member of the military, the rules are a little different for you. Servicepeople declare residency in the state to which they intend to return after deployment. Laws differ in each state, but almost all states make registration exceptions for active-duty military.

As long as your vehicle registration is current in your declared home state, you do not usually need to register in a state in which you are stationed.

Temporary Moves

For temporary moves, you may not have to change your registration, depending on the length of your stay (see table above).

If you are working in your temporary state, be aware that most states consider employment a means of establishing residency and will likely require you to change your car insurance and registration.

College Students

If you are a college student attending school out of state, you will probably need to register any vehicle you bring with you.

Speak with your auto insurance provider directly to find the best solution. If you need to leave your car behind but need to keep it insured, there are options for reducing fees, like low-mileage discounts and parked car insurance.

Do your auto insurance and registration address have to match?

Can I register my car in another state and have a different insurance address? Insurance companies generally need your registration address and your proof of insurance address to match. With few exceptions, including military members registering a car in a different state from their legal residence, you cannot register your car at one address and insure it at another address.

What if you lie about where you live to an insurance company? Registering a car in another state from where it is insured could cause serious problems. It could be considered insurance fraud, for example. If you get into an accident and make an insurance claim, then your claim could be denied, which is why you should never lie on your auto insurance application.

Why is it fraud? According to the Insurance Information Institute (III), lying on an application about any detail, no matter how small, is a fraud. Rates vary vastly by location, so lying about a location to get a cheaper rate is illegal. Take a look at the table below to see how average rates for a full coverage policy vary by state.

Average Annual Auto Insurance Rates for Full Coverage by State
STATEAverage Annual Auto Insurance Rates
Alabama$817.95
Alaska$1,048.60
Arizona$932.10
Arkansas$869.37
California$926.79
Colorado$898.79
Connecticut$1,108.67
Delaware$1,186.33
District of Columbia$1,307.62
Florida$1,206.46
Georgia$964.70
Hawaii$856.33
Idaho$656.95
Illinois$833.44
Indiana$724.65
Iowa$672.01
Kansas$819.14
Kentucky$904.39
Louisiana$1,326.78
Maine$679.56
Maryland$1,077.97
Massachusetts$1,075.35
Michigan$1,252.27
Minnesota$826.64
Mississippi$935.08
Missouri$825.40
Montana$842.54
Nebraska$778.81
Nevada$1,057.63
New Hampshire$777.98
New Jersey$1,353.96
New Mexico$896.58
New York$1,300.09
North Carolina$745.17
North Dakota$737.63
Ohio$741.11
Oklahoma$941.34
Oregon$855.57
Pennsylvania$934.34
Rhode Island$1,219.29
South Carolina$910.51
South Dakota$717.73
Tennessee$823.74
Texas$1,025.64
Utah$832.24
Vermont$737.67
Virginia$807.71
Washington$923.16
West Virginia$1,015.57
Wisconsin$696.11
Wyoming$816.71

Get Your Rates Quote Now

Compare RatesStart Now →

For all of these reasons, you need to make sure you’re abiding by your insurance company’s requirements. If you’re unsure, call your insurance company and verify how to register your car in a different state and your address information. You don’t want to wait until after an accident when it’s too late to find out can you drive a car registered in another state.

Common multi-state scenarios for car insurance

What if I work in a different state than where I live?

In most cases, you only need one policy that covers you in both states. The key to determining which state to buy your insurance from is where you keep your vehicle most of the time. For example, if you live in Connecticut but work out of state in New York, you would have a Connecticut car insurance policy since the vehicle is kept there overnight.

The rare exception would be keeping a second vehicle at your workplace. In that case, you would need two car insurance policies — one for your vehicle that’s kept overnight in Connecticut, and one out-of-state policy in New York for the vehicle that’s stored at your job.

What if I have homes 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.

Snowbird exception

If your car travels with you between houses, you’ll only need one policy. This is commonly called the “snowbird exception” because it usually impacts “snowbirds” who spend the winter months in a warm-weather state. For example, let’s say you split your time between Ohio and Arizona and keep your car in the state where you’re currently residing. You’ll have an Arizona policy for the fall and winter months when you’re living in that state. When you move back to Ohio for the spring and summer months, you can cancel your Arizona policy and start an Ohio policy. This is known as rewriting your policy for a different state; if your car moves with you, it helps you avoid paying for separate out-of-state insurance coverage that isn’t needed.

If you need to rewrite your policy for a different state at Progressive, the easiest way is by calling us at 1-866-749-7436.

Are there any military exceptions?

Active-duty military personnel stationed away from home may also be confused about this issue, especially if their state of residence is subject to rapid changes.

For this reason, most insurance companies allow military personnel to use a declared state of residence, which may make it easier to get <span data-sheets-value="{"1":2,"2":"car insurance different state"}” data-sheets-userformat=”{"2":6915,"3":{"1":0},"4":{"1":2,"2":16777215},"11":4,"12":0,"14":{"1":2,"2":7829367},"15":"Roboto, RobotoDraft, Helvetica, Arial, sans-serif"}”>car insurance in a different state.

This allows them to have stable vehicle registration, even if they themselves bounce from one state to the next. Even so, the state where you register the vehicle might insist that you have in-state auto insurance. Where can I find cheap military insurance policies? Comparing insurance companies can turn up some that are more military-friendly in situations where frequent moves are necessary.

Enter your ZIP code below to compare car insurance company rates.  Secured with SHA-256 Encryption

Registration Laws

Actually, every state excluding New Hampshire requires a valid insurance policy before anyone can register their car. After a car is bought in that state, the person who bought it must provide valid proof of insurance for the car, a valid driver's license, and the designated car title to the state DMV. That way, the state knows everything about your car and the local law can keep track of the ongoing affairs associated with your car. Here's a small overview of the laws around different states inside the US!

State

Registration Deadline

Requirements for Registration

Vehicle Inspection

Alabama

30 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Alaska

60 days after entering the state

Car's title and valid previous registration

Required

Arizona

210 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Arkansas

180 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

California

Not required if already registered in another state

Not required unless seeking permanent residency

Inspection required if permanent residency is fixed for registration

Colorado

90 days after entering the state

Car's title and valid previous registration

Required for individual

Connecticut

60 days after entering the state

Car's title and valid previous registration

Required for individual

Delaware

Not required if already registered in another state

Not required unless seeking permanent residency

Inspection required if permanent residency is fixed for registration

Florida

10 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Georgia

30 days after entering the state

Car's title and valid previous registration

Required for each residency

Hawaii

30 days after entering the state

Car's title and valid previous registration

Required

Idaho

90 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Illinois

Not required if already registered in another state

Not required unless seeking permanent residency

Inspection required if permanent residency is fixed for registration

Indiana

60 days after entering the state

Car's title and valid previous registration

Required per residency

Iowa

30 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Kansas

90 days after entering the state

Car's title and valid previous registration

Required per residency

Kentucky

Not required if already registered in another state

Not required unless seeking permanent residency

Inspection required if permanent residency is fixed for registration

Louisiana

10 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Maine

Not required if already registered in another state

Not required unless seeking permanent residency

Inspection required if permanent residency is fixed for registration

Maryland

60 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Massachusetts

Not required if already registered in another state

Not required unless seeking permanent residency

Inspection required if permanent residency is fixed for registration

Michigan

90 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Minnesota

60 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Mississippi

30 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Missouri

30 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Montana

60 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Nebraska

30 days after entering the state

Car's title and valid previous registration

Required for each individual

Nevada

30 days after entering the state

Car's title and valid previous registration

Required per residence

New Hampshire

60 days after entering the state

Car's title and valid previous registration

Required per residence

New Jersey

60 days after entering the state

Car's title and valid previous registration

Required

New Mexico

180 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

New York

Not required if already registered in another state

Not required unless seeking permanent residency

Inspection required if permanent residency is fixed for registration

North Carolina

60 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

North Dakota

Not required if already registered in another state

Not required unless seeking permanent residency

Inspection required if permanent residency is fixed for registration

Ohio

30 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Oklahoma

30 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Oregon

Not required if already registered in another state

Not required unless seeking permanent residency

Inspection required if permanent residency is fixed for registration

Pennsylvania

Not required if already registered in another state

Not required unless seeking permanent residency

Inspection required if permanent residency is fixed for registration

Rhode Island

30 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

South Carolina

45 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Tennessee

30 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Texas

Not required if already registered in another state. Can make nearly 5 occasional trips consisting not more than 5 days each

Not required unless seeking permanent residency

Inspection required if permanent residency is fixed for registration

Utah

60 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Vermont

60 days after entering the state

Car's title and valid previous registration

Required except college students and military personnel

Virginia

180 days after entering the state

Car's title and valid previous registration

Required per residency

Washington

30 days after entering the state

Car's title and valid previous registration

Required

Washington, D.C.

30 days after entering the state. Can extend for up to 180 days with some additional fee

Car's title and valid previous registration

Required except college students and military personnel

West Virginia

30 days after entering the state

Car's title and valid previous registration

Required

Wisconsin

Not required if already registered in another state

Not required unless seeking permanent residency

Inspection required if permanent residency is fixed for registration

Wyoming

Not required if already registered in another state. Visitors can stay no longer than 120 days without state registration

Not required unless seeking permanent residency

Inspection required if permanent residency is fixed for registration

Disclaimer: Laws and rules can change. Always check with the correct authorities what applies to you.

Licensing your car in two different states is not

Licensing your car in two different states is not possible, buying two different cars for two states is an option. If you're just visiting another state for a couple of weeks or months, know the certain rules from this chart and plan accordingly.

Key Takeaway

While you need to have car insurance to comply with state requirements, it’s not clear where you should insure your car if you move around. So can you have car insurance in two different states? The answer depends on several factors.

If you have two different vehicles, you need two policies to insure each. However, if you’re working with just one vehicle, you should understand the local state laws to know what constitutes a resident and whether you need to register your car.

Whatever the case, remember to shop for policies beforehand to find the best deal and price.

References:

Tags