Out-of-State Auto Insurance Coverage
Luckily, your insurance policy will cover you when you travel state-to-state. You do not need to purchase additional out-of-state auto insurance coverage because your existing policy will automatically increase to meet the liability requirements and Med Pay laws of any state you visit. If you need to update your coverage before you travel, enter your ZIP code below to start comparing car insurance rates for free.
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Jeff Root
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Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Dec 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Dec 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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You’ve been dreaming of that Hawaiian vacation all year, but in an effort to save some cash, decided to visit your in-laws in a nearby state instead.
With that in mind, the last thing you need to be worrying about is your auto insurance coverage while driving out-of-state.
Well, here’s some good news. Under most personal auto policies, you’re covered.
But be sure to speak with your independent agent or direct insurer prior to leaving your home state to ensure you’re covered.
How Out-of-State Auto Insurance Coverage Works
Out-of-state car insurance coverage typically provides benefits similar to the following:
• If you’re involved in an accident in a state that has higher mandatory minimum liability limits than you presently carry, or any other financial responsibility law, your policy should automatically increase to that amount when you cross state lines.
• In addition, if the state you enter has compulsory (mandatory liability car insurance or med-pay) laws, your policy will adjust to those laws, meaning you will have the necessary limits and types of coverage.
Example: If you travel to Colorado, a no-fault state, from a state that doesn’t require that type of coverage, your policy would automatically adjust to cover it.
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Out-of-Country Auto Insurance Coverage
More good news. Along with the 50 states, you’re typically covered while driving in Canada and Puerto Rico as well.
However, Mexico is a different story all together. Your current personal auto policy probably provides no coverage for a trip into Mexico, although some do.
Your insurer may offer coverage for travel within 25 miles of the Mexican border, for no more than 10 days at a time, sometimes referred to as a “limited Mexico policy.”
Just to be on the safe side, it may be a good idea to purchase additional coverage from your insurer for travel into Mexico.
Please note this coverage must be secondary to a primary liability insurance policy purchased from an agent who is licensed to sell Mexican coverage.
The additional coverage on your American policy will provide physical damage coverage, whereas the Mexican liability policy will not.
You can also forget about coverage such as med pay and uninsured motorist coverage on the Mexico policy.
It is recommended that you speak with your insurer or agent prior to driving out of the country to ensure you’re properly covered.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.