You can only buy car insurance across state lines (i.e. in a state other than where you live) if your car is also registered in that other state. Most states want your car to be registered where you have your permanent home address. But you may be eligible to register and insure a car in a different state than the one you currently live in if you are a part-time resident. For example, this could apply to college students, military families, and people with homes in more than one state. In addition, some states—including Nebraska, Georgia and Missouri—require you to register your car if you're in the state for at least 30 days.
College students who attend school in a different state from their parents’ residence (which is generally considered a student’s permanent residence) may or may not need to buy a new policy. It depends on the laws of the state in which their school is located. For example, people going to college in Nevada are specifically allowed to maintain out-of-state registration and insurance, while Connecticut students are not. Some states, like Massachusetts, allow out-of-state students to maintain their primary home-state registration and insurance, but require them to register the vehicle with local police.
Most states allow members of the military to keep their car registration and insurance in the state in which they maintain legal residence. However, states’ residency laws vary, and you should verify your particular situation with your insurance company whenever you are re-deployed.
People who split their time between two homes generally should register and insure their vehicles in whichever place they spend the most time. For example, if you live in New York for eight months of the year but spend four winter months in Florida, you would buy insurance in New York. That policy would cover you even while you're at your Florida home. Be aware, however, that if Florida is your secondary state, your insurance policy—no matter where you buy it—must include Florida’s mandatory minimum insurance coverage.
Also keep in mind that if you own a vehicle that stays at your secondary home year-round, you are required to insure it in that state.
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