Multi-State Car Insurance: Out-of-State Coverage (2024)

FAQs

Can I have insurance in two different states? ›

Unfortunately, it's not that easy. Each State's health insurance is separate and even if a carrier (say Anthem) operates in both States, the plans, regulations, and options are different. Some big carriers like Anthem may have transfer options but the best rates and options require re-applying in the new State.

If you split your time between two states, you may be able to get auto insurance in either of the two states (but it will not technically be “out of state” since you will be living there). Most often, the rule of thumb is your car must be insured in the state where it is registered.

“Snowbird exceptions” are provisions in car insurance policies that allow individuals who spend part of the year in one state and part of the year in another state to maintain insurance coverage in both states.

No. All vehicles registered in Arizona must be insured by a company licensed to do business in this state. Arizona residents who are out of state (including military personnel), however, may submit a De-Insured Certificate on a vehicle, on a short-term basis.

The Blue Cross and Blue Shield Association is a national federation of independent, community-based and locally operated Blue Cross and Blue Shield companies. Healthcare coverage is one of the most important decisions you make. Choose the card that opens doors in all 50 states.

Because each state has its own Medicaid eligibility requirements, you can't just transfer coverage from one state to another, nor can you use your Medicaid coverage when you're temporarily visiting another state, unless you need emergency health care.

In the United States, you register your car in the state in which you hold your primary residence. That permits you to drive that car in all 50 states. There is no additional paperwork, there are no border crossings between states, there is no time limit you may stay in another state.

Each company is likely to have its own requirements for multi-car insurance policies. Some only require that all covered vehicles be located at one address, while other carriers factor in the vehicle owner's relationship to the policyholder.

If you reside in two different states, it's legal for you to have two cars registered in those states. Can I register a car in a state I don't live in? Yes, for instance, if you live in Illinois and Arizona, you can register one vehicle in each state.

New Hampshire and Virginia are currently the only two states that don't require drivers to carry car insurance. Instead, they must carry proof of financial responsibility.

Can I have out of state car insurance in Florida? ›

Is there a need to get new car insurance if you are moving to Florida from out of state? ​The answer for this is “yes,” but there is a significant caveat. If you are moving to Florida, it can sometimes take up to a month to register your car and it can only be done after you move.

Car shipping is an attractive option for snowbirds, especially those that are older and may feel uncomfortable driving long distances in unfamiliar places. Shipping a car allows them to bring some of their possessions with them (up to 100 lbs).

Can I buy and register a car in Arizona while I'm there? Ed.: Yes! You can purchase, register and insure a vehicle in the United States, but you would have to leave it there.

While there are exceptions, car insurance generally follows the car and not the driver. Allowing another licensed driver to borrow your vehicle is known as "permissive use," which means you give someone, who isn't listed on your car insurance policy, permission to operate your vehicle.

Please note that if your insurance policy was issued in another state, you will need to bring your policy in its entirety so that insurance coverage minimums may be verified. Visit your local county tax office.

Where do I sign up for health coverage? And if I sign up for a plan in one state, how do I find in-network health providers in the other state? You should buy coverage in the state where you officially reside. Most states consider you a resident if you intend to make that state your permanent home.

If you split your residence between homes in two states, Original Medicare should apply in both locations as long as you go to medical providers covered by Medicare. When it comes to Medical Advantage or Part D, your coverage depends on he specific plan and on the pharmacy that your plan contracts with.

Since individual market coverage is regulated and marketed at the state level, a new plan is needed when you move from one state to another.

Most Blue Cross Blue Shield members can rest easy since Blue Cross Blue Shield coverage opens doors in all 50 states and is accepted by over 90 percent of doctors and specialists. And if your extended travel plans take you abroad, you can ensure you have access to quality care through GeoBlue.