Driving Out of State: Does Your Car Insurance Travel with You?

Find out if your car insurance goes with you out of state, the country, or even the continent.

Like license plates and recipes for that perfect BBQ, car insurance is different in every state. When you buy your policy, you must purchase at least the minimum coverage required in your area — and the protection you end up with can vary dramatically from the policies of friends or family who live elsewhere.

Now, we know what you might be asking: If auto coverage requirements vary across the nation, does this mean you‘re only safely insured when you drive in your state? It’s a natural concern and one many of our customers have voiced.

So let’s break out the road maps and trail mix, consult with our customer service reps, and give you a clear answer as to where, exactly, you can travel with your Esurance coverage.

Driving out of state

Where does my car insurance work?

If you were planning your big, cross-country road trip and starting to get nervous, relax! Esurance, like most car insurers, lets you drive and use your coverage in any U.S. state — even if we don’t offer policies there. (Bonus: you can also drive in Canada or Puerto Rico and still enjoy the peace of mind your policy brings.)

Generally, the only time your out-of-state car insurance would not work is if you were moving to a new state permanently. In that case, you’d have to purchase a policy from the new state so you could satisfy their coverage requirements.

Where does my car insurance NOT work?

If you’re cruising south of the border into Mexico, odds are your Esurance coverage won’t be valid. Instead, you’ll almost always need Mexican car insurance. Esurance doesn’t extend protection to other countries either (other than Canada). If you must drive on your voyage abroad, you can get insurance from the rental car shop where you pick up your wheels.

What if I have a car accident while driving out of state?

Again, Esurance has your back! If you have an accident in another state, your adjuster will compare your coverage limits with the minimum requirements in that state. And then you’ll be covered for whichever limit is higher.

Or, as another example, if your home state only makes you carry $10,000 in bodily injury coverage, but you cause an accident in a state that requires $15,000, we’d make up the $5,000 difference.

And if you have an accident in a state that requires a coverage your home state doesn’t offer, like personal injury protection (PIP), we’d provide you with that coverage just for the isolated incident (don’t worry, it wouldn’t be permanently added to your policy). Likewise, if you carry PIP and have an accident in a state that doesn’t offer it, you’d still have your PIP coverage for the claim.

Get coverage tips before you travel

For even more information on heading beyond your state’s borders, check out our helpful insights on driving abroad and Esurance coverage in Canada.

And spend a minute with our handy Coverage Counselor® to make sure you’ve got the best protection for your needs right now.

4 Responses to “Driving Out of State: Does Your Car Insurance Travel with You?”

  1. Avatar for Alex Glenn
    ken
    April 11, 2015 #

    my son is using my truck to do a college internship in florida for 3 months. the truck and insurance are in my name in minnesota. do i have to do anything additional to my policy or title status?

    • Avatar for Alex Glenn
      Rachael Heller
      April 22, 2015 #

      Hello Ken,

      If your son and the vehicle are only in Florida temporarily, you do not have to change the insurance. Since your son is a daily driver of the vehicle, you would want to ensure he is listed as a driver on your policy. Your son must maintain a permanent residence in Minnesota to do this.

      If your son is moving permanently to Florida and keeping the truck in Florida, he will want to register and insure the vehicle in Florida.

      Thanks for reading.

  2. Avatar for Alex Glenn
    JSetlur
    July 14, 2015 #

    My daughter is an out of state student in Indiana. I live in California and she is a listed driver on my insurance. I need to get her a car to use in Indiana while she is studying. Here are my options:

    1. Buy/lease a car in California in my name and let her use it in Indiana as a listed driver. This will continue to have CA tags and list my address in CA as the primary address.
    2. Buy/lease a car in Indiana in my name and let her use it in Indiana as a listed driver.

    Questions:
    1. With option 2 will I be able to register my car in Indiana with a CA address?
    2. Which option is better from auto insurance perspective?

    Thanks in advance for your expertise.
    JS

    • Avatar for Alex Glenn
      Rachael Heller
      July 16, 2015 #

      Hello JS,

      In response to question 1, the vehicle registration usually needs to match the state it’s driven and insured.

      To answer your second question, if you are an Esurance customer, we would suggest calling in to speak to our licensed agent department at 1-800-ESURANCE (1-800-378-7262) to get specific details regarding your policy.

      Thanks for reading.

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