How Driving in Different States Affects Your Insurance

If you’re a driver who frequently travels out of state or is considering a move, it’s important to understand how driving in different states can impact your auto insurance. We help our clients navigate the complexities of interstate insurance so you can stay protected wherever the road takes you. 

Understanding State Insurance Laws 

Each state sets its own auto insurance requirements, including minimum liability limits and coverage types. Your auto insurance policy generally follows you when you drive in other states, and it may automatically adjust to meet the minimum requirements of the state you’re visiting. However, this doesn’t mean you’re fully protected in every situation, especially if you’re involved in an accident in a state with higher coverage requirements or unique insurance laws. 

Crossing could affect your coverage in the following ways: 

• Coverage limits—If you’re in an accident out of state, your policy may increase your liability limits to match that state’s minimums, but it won’t provide extra coverage beyond your policy’s maximum. 

• No-fault states—Some states have “no-fault” insurance laws, which can affect how claims are handled and who pays for damages. 

• Uninsured/underinsured motorist coverage—Requirements for this coverage vary by state, so it’s important to review your policy before traveling. 

Moving to Another State 

If you relocate to a new state, you’ll need to update your auto insurance to comply with local laws. This often means purchasing a new policy that meets the new state’s requirements. Your rates may also change based on local factors such as accident rates, weather risks and state regulations. 

Learn More 

If you have questions about how driving in different states affects your insurance, our team is here to help. Contact us today to review your policy or discuss your options. 

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.