Yes, you can get military car insurance in another state than your home of record if you have legal residency there. Your state of legal residence is often the state where your car is registered, while your home of record is a term for the state in which you joined the military. Your home of record could be the place you have residency, or it could be a state you were in only briefly while enlisting.
If you are going to be temporarily stationed in a different state, you may be able to keep your car insurance and registration in the state where you live permanently. However, it is not legal to permanently reside in one state and have insurance from another.
Tips for Getting Car Insurance Outside You Military Home of Record
Check that state’s requirements for establishing residency.
Notify your insurer as soon as possible once you’ve established residency.
Look into how much car insurance is required by that state, in case you need to buy more coverage.
Remember that your insurance will cover you in accidents out of state but only for short periods of time, like during short trips, vacations, or before you are able to establish residency
Most major auto insurance companies offer discounts and special services for military service members, making it easy to find affordable and flexible coverage. To learn more, check out WalletHub’s guide to military car insurance.
You cannot be on your parents’ car insurance if the car is in your name and you are listed as the sole owner. Your parents can’t insure your car unless they are listed as owners. So if you are thinking about buying your own car, it is a good idea to ask for quotes from several … read full answerinsurance companies first. Your parents’ insurance company may not offer you the best rates when you’re alone on a policy.
When You Can and Cannot Be on Your Parents' Car Insurance
Can you be on your parents' insurance?
Your parents own your car and you live with them
Your parents own your car and you're away for college
You own your car and you live with your parents
You own your car and moved out
If you are not listed as the sole owner of the car, you might be able to get even cheaper insurance. Living in your parents’ home allows you to list them as the owners of the car you’re driving, in which case you can remain on their policy and save money.
Additionally, If you are a college student who uses your parents’ address as your permanent place of residence, and you drive a car owned by your parents, you can remain on their policy. If you do not bring that car to college with you, you might be able to qualify for additional discounts.
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.… read full answer
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.
Geico and USAA have the cheapest car insurance for military service members. Geico and USAA are some of the cheapest auto insurance companies overall, and they offer specialty coverage options and discounts for military service members. Anyone can get insurance from Geico, but USAA is only available to military service members, veterans, and their families. … read full answer
Insurance rates vary by state, company, and individual driver, so the best way to find cheap coverage is to get multiple quotes. You should also ask your insurer if they offer special discounts for service members or for members of certain military groups. For example, Liberty Mutual offers an affiliation discount for members of the Military Benefits Association.
To learn more about cheap coverage for service members, check out WalletHub’s complete guide to military car insurance.
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