Does my car insurance cover me if I travel out of state?


Your car insurance covers you when you drive to other states in the U.S. However, if you drive across international borders or move to another state, you should update your car insurance company.

Zack SigelAnna Swartz 1600

Updated February 24, 2020

infoEditorial Disclosure


  • Your car insurance coverage extends across the U.S., so you can drive anywhere in the country and know you’re covered

  • However, most car insurance companies won’t cover you if you drive to Mexico

  • And if you’re permanently relocating to another state, you’ll need a new insurance policy reflecting your new address

Car insurance is essential protection that covers you if you’re at fault in a car accident — it can also pay for damage to your own vehicle, injuries to yourself or your passengers and even pay for repairs if your car is vandalized or damaged by hail or other extreme weather.

Your car insurance policy is specific to you and your current address — in fact, your insurance premium is calculated, in part, based on where your car is garaged, meaning where it spends most of its time.

But that doesn’t mean your insurance coverage is limited to the state you live in. Your car insurance will cover you in every state — no matter where in the U.S. you drive. However, if you’ve permanently moved to a different state, or you’re driving to Mexico or Canada, the answer might be different.

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If I travel out of state does my auto insurance cover me?

The simple answer is: generally, yes. Car insurance coverage requirements vary depending on which state you live in. Although you purchase coverage based on your own state's coverage options, your insurance should protect you even when you're driving clear across the nation.

In fact, if your insurance company doesn't sell policies in your destination state, you can still rely on your policy regardless of where you drive in the U.S. To that end, meeting the minimum insurance coverage in another state doesn't matter — so long as you carry the minimum in your home state.

For example, say you purchased the minimum amount of bodily liability insurance coverage in your state and get in an accident in another state where the requirement is $5,000 more than you have. It's logical to think that your insurance provider will pay out the amount you carry and no more. However, most insurers will make up the $5,000 difference and cover you for the higher limit amount.

Car insurance companies usually refer to the ability to increase limits as a "broadening clause." This clause also takes into account your additional coverage needs if you drive to a no-fault state that requires you to carry personal injury protection (PIP).

If you don't have this protection and get into an accident in a state where PIP is required, your insurance company will typically extend coverage to you to pay for any injuries you sustain in an accident for this particular incident.

Learn more about the different types of car insurance

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When does car insurance not cover me out of state?

For the most part, you can embark on a long road trip without giving a thought to your auto insurance policy. Yet, there are a couple of instances where your policy may not cover you and you should be aware if these situations apply to you:

Does car insurance cover me if I move to a new state?

If you’re moving to a new state, your current insurance may cover you in the short term as you drive to your next destination. But you will need to buy a new insurance policy in your new home state to satisfy insurance requirements there. You should start preparing for this as soon as you know when and where you’re moving.

If your current insurance carrier writes policies in your new state too, you can contact them and tell them you’re moving. Ask them how much a new policy at your updated address would be, and remember that you can buy a policy ahead of time and set it to go in force the date you want it to begin.

However, sticking with your current carrier may not be the best option. If they don’t write policies in your new state, you’ll have to shop around anyways, and even if they do sell insurance where you’re moving, they may not have the best rates. Work with an independent broker or do your own research to find out who can offer you the best coverage for your money in your new home state.

Learn more about updating car insurance when you move to a new state

Does car insurance cover me in Mexico?

If you’re planning a road trip from the U.S. into Mexico, your auto insurance likely won't cover you. You will need to buy a type of special, temporary insurance for driving in Mexico. Many major car insurance companies partner with Mexican insurance companies to offer special coverage for tourists driving their cars south of the border, so you can even buy this type of coverage well in advance of your trip.

Even if your car insurance offers you some limited coverage in Mexico, the country requires drivers to have a minimum amount of car insurance through a Mexican provider, so you’ll still need to buy special car insurance for your trip. Most insurance companies, however, do cover you if you drive north of the border into Canada.

Learn more about car insurance coverage in Mexico

How to check your car insurance policy

If you have the time before you hit the road for an interstate road trip, it's a good idea to check your auto insurance policy or call your insurance agent just to make sure your policy has a broadening clause or will cover you for wherever you plan to drive and your particular situation.

You can contact your car insurance company in any number of ways, most carriers make it easy to reach a representative for questions:

  • Through a smartphone app

  • Online

  • Over the phone

  • In person at a brick and mortar location of your car insurance carrier

Managing Editor

Zack Sigel

Managing Editor

Zack Sigel is a SEO managing editor at Policygenius. He covers personal finance, comprising mortgages, investing, deposit accounts, and more. His previous work included writing about film and music.

Insurance Expert

Anna Swartz

Insurance Expert

Anna Swartz is a Managing Editor at Policygenius, where she has been since 2018. An expert in home, auto and renters insurance, she loves making tough concepts easy to understand and helping readers feel confident about their insurance options. Before joining Policygenius, she was a senior staff writer at Mic. Her work has appeared in The Dodo, AOL, HuffPost, Salon and Heeb.

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