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

Taking a road trip? Know where your auto insurance policy protects you.

Before a big road trip, the last thing on your mind is auto insurance. You’ve got to pack, plan your route, and ensure your vehicle can see you through the hundreds of miles. However, it’s important to take a moment (just a few minutes!) to ensure that your auto insurance policy will protect you throughout your journey.

Auto insurance requirements vary state to state, with each enforcing a different minimum liability coverage amount. It’s a natural to be concerned about coverage when traveling into different states that have higher liability requirements than what you may have on your policy. Here’s what you should know before you set off.

Where does my car insurance work?

Even if your insurance company doesn’t operate in the states that you’re planning on visiting, you may still be able to use your coverage. Generally, the only time your out-of-state insurance would not work is if you were moving to a new state permanently. In that case, you’d need 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 leaving the U.S. by taking a detour south to Mexico or north to Canada, you may need to secure different insurance while driving there. Many insurance companies do not extend protection to other countries, so be aware of this gap if you are venturing outside of America. If you drive abroad, too, you can most likely get insurance from the rental car store where you pick up your vehicle.

The best way to know exactly where you are protected and how your liability limits are affected is to contact your insurer directly. He or she will be able to help you secure the right coverage. Contact us at Sausman Insurance Agency for a tailored auto insurance policy in Mifflintown, Millersburg, and Lewistown, Pennsylvania that are right for your vehicle, needs, and budget.