Yes, you can technically live in another state with your current car insurance, but it is not a legally compliant or advisable long-term solution. Car insurance policies are regulated at the state level, and each state has its own minimum liability coverage requirements. If you move permanently and your insurer discovers your primary residence has changed, they may cancel your policy or deny a claim, leaving you financially exposed.
State-Specific Insurance Requirements
| State | Minimum Bodily Injury Liability (Per Person/Per Accident) | Minimum Property Damage Liability | No-Fault System? |
|---|
| Florida | $10,000 / $20,000 | $10,000 | Yes |
| California | $15,000 / $30,000 | $5,000 | No |
| New York | $25,000 / $50,000 | $10,000 | Yes |
| Texas | $30,000 / $60,000 | $25,000 | No |
| Michigan | $50,000 / $100,000 | $10,000 | Yes (Unique) |
Your premium is calculated based on the risk factors associated with your garaged address, including local traffic density, crime rates, and weather patterns. A move from a rural area to a major city like Chicago or Los Angeles will likely increase your premium due to higher risk, while a move in the opposite direction might lower it.
You typically have a grace period of 30 to 90 days to update your insurer with your new address. The safest course of action is to contact your insurance agent before you move. They can guide you on your specific policy's rules, help you adjust your coverage to meet your new state's minimums, and provide an updated quote. This proactive step ensures continuous, legal coverage and avoids potential penalties for driving with an invalid policy.
