No matter where you live, your standard car insurance policy will normally cover you in all 50 states and Canada. Your policy will not cover international travel outside Canada. Whether you're on vacation out of state or taking a long road trip, you can drive with confidence knowing that you're insured up to the limits of your policy. If you spend a significant amount of time out of state, the situation can get complicated when it comes to determining the state in which your insurance policy should originate.
You may also need an additional policy if you store cars in two different states. No, there is no separate auto insurance policy for several states, since a standard auto insurance policy generally offers out-of-state coverage in all 50 states. Nor is there a multi-state auto insurance policy that originates in two or more states. Any auto policy you buy will originate in a single state, usually the state in which you reside.
If your car travels with you between houses, you'll only need one policy. This is commonly called the snowbird exception because it generally affects snowbirds that spend the winter months in a state of warm weather. For example, let's say you divide your time between Ohio and Arizona and keep your car in the state where you currently reside. You'll have an Arizona policy for the fall and winter months when you live in that state.
When you return to Ohio during the spring and summer months, you can cancel your Arizona policy and start an Ohio policy. This is known as rewriting your policy for another state; if your car moves with you, it helps you avoid paying for separate insurance coverage out of state that isn't necessary. Get to know our culture and our people Chat now to ask Flo anything or explore the most frequently asked questions. The proof of insurance is the documentation from your insurer that shows that you have an active insurance policy that meets state requirements.
It is used when you are stopped, have an accident, rent a vehicle, or ask you to show it another way. The proof of insurance is usually an identification card, printed or electronic, provided by your insurer. Your location, where you park your car every day, is a key factor in determining the price of your car insurance coverage. With most insurance companies, you'll be able to get proof of car insurance immediately after buying a policy.
Your car insurance could increase or decrease depending on several factors, including the claim history of your new area. Progressive offers a variety of insurance options for peace of mind on the road, under your roof and in your daily life. Yes, you can show proof of insurance on your phone at the DMV or BMV in every state that accepts proof of digital insurance. Some of the products and services referred to on this page and that are available to you through Progressive are provided by other insurers and companies that are not affiliated with Progressive.
You may need to present proof of insurance to your landlord, mortgage lender, or condo association, but generally you won't need an insurance card for property insurance policies. If you're moving and want a new policy with us, request an auto insurance quote online or call 1-866-749-7436 and share your new address. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident.
If you're moving to another state, check with your car insurance provider to make sure they offer coverage in your new state. In that case, you would need two car insurance policies, one for your vehicle that stays overnight in Connecticut and another policy from another state in New York for the vehicle you keep at work. While it's always good to have your paper copies available as a backup, you can rest easy knowing that your digital insurance card is sufficient in case you need to show proof of insurance. Because car insurance requirements vary from state to state, you'll need to get a new insurance policy if you move out of your current state.