Do I Need Multi-State Car Insurance for Out-of-State Coverage?

If you plan to drive your vehicle across state lines, you might wonder whether you need additional car insurance. Understanding how insurance works in different states and neighboring countries is crucial for ensuring you’re adequately covered while traveling or relocating.

Most standard auto insurance policies provide coverage in all 50 states and Canada. Consult your agent if you plan to drive into Mexico, as you will need additional coverage to comply with that country’s car insurance regulations.

Every state has different minimum insurance requirements. Failing to meet your state’s minimum insurance requirements can lead to fines or legal trouble.

Your needs may vary depending on whether you’re temporarily visiting another state or relocating there permanently. Be aware of the following: 

• Temporary travel—If you’re just passing through or on vacation, your current policy is sufficient, provided it meets the minimum requirements of your home state.
• Permanent relocation—If you’re moving, you should update your policy to comply with your new state’s laws and reflect your new address.

Here are some steps to ensure you have the appropriate coverage when driving in other states or outside of the country:

• Contact your insurer—Communicate your travel plans if you are driving into Mexico. If you plan to relocate to another state, you’ll need car insurance from an insurer licensed to do business there. Your agent can help you make necessary additions and changes.
• Keep important documents handy—Having your insurance card and policy details readily available during your trip can help avoid problems if you are in an accident or are pulled over by police.

Contact Us

Contact New Advantage Insurance Agency in Garden Grove, CA, to learn how your current coverage may help protect your financial stability when traveling and get an instant auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.