Can you insure a car in one state but register it in another?

Answer 1

If you are trying to save money by insuring in a cheaper state, than the answer is no. That would be insurance fraud. Some states like NY mandate that every vehicle registered in the state carry insurance from a NYS Licensed Insurance Company, and with certain policy limits. There are certain instances like members of the military and college students that are permitted by law to be in another state without becoming a resident and getting their tags and insurance there. Even in NY people try to cheat the system by getting an upstate NY address where the insurance is cheaper. If you are ever in an accident, and the insurance company, police, anyone figures this out, they will simply not pay out on the policy.

• That could vary from state to state, but it is always best to register and insure a vehicle in the state where you live. I thought about that when I moved from Indiana, which had much, much lower premiums, to Kentucky. In my case, the vehicle had to be insured in the state in which I live or I would risk it not paying if I had an accident. I believe individual states have requirements that vehicles be registered in the state within a certain amount of time after becoming a resident, too. If the purpose of the question is to find a way to save money on insurance, registration, or any other required expense, between the insurance companies and government rules and regulations, they have it tied up tight so they get you coming and going. Please see the discussion board for another bit of somewhat related information.