Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Where do I insure a car if I have two addresses?

My mom bought a car in NC with a lifetime transmission and engine warranty. Now I drive it in Colorado. Her insurance in NC won't cover me out here, and if I transfer the title to my name, I lose the warranty. Is there an insurance option that will keep the car titled to her in NC but insure me in CO? Can I just insure the car in the state with the cheapest rates, and drive it where I live?

Jun 26, 2018 Denver, CO

Answer
Author profile picture

Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Thanks for reaching out to The Zebra!

I understand that you want to keep the car's warranties, but it's also important to keep the vehicle insured correctly (and insurance is mandatory in 49 out of 50 states). The short answer to your question is that you should insure the car at the address where the car is kept most of the time. This is called the garaging address. Car insurance rates vary by zip code so the correct address must be used to avoid issues with the policy not being enforced if the wrong address is used just to get a cheaper rate.

Having proper coverage and meeting the state's legally required limits is incredibly important. Ultimately, keeping a warranty likely isn't worth the risk of lacking insurance coverage; it could result in a hefty financial loss if you're in an accident and your claim isn't covered. Every state has its own requirements for car insurance coverage.

If you're a college student driving the vehicle while you're away at school, you'll need your own car insurance policy, too. Students who only drive a parent's car when they're visiting home can generally stay on a family policy, and parents can sometimes get a "student away from home" discount.

If you are staying outside of the car's home state for more than two months you will need to register your car in the state that you are living in at that time. Read more about the different factors that impact car insurance rates and the risks of not having proper insurance coverage. To get personalized quotes for yourself wherever you're living, give our agency a call at 888-444-8949.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Can an insurance company force me to be added to a policy?

Thanks for reaching out to The Zebra. It is normal for insurance companies to require anyone in the household (of driving age) to be listed on a policy, "just in case." Even if you don't ever plan on driving their cars, insurers know that things come up and there is always a small ch…
Feb 6, 2023 Denver, CO

Does car insurance cover rodent damage?

Sorry to hear about your misfortune! Luckily enough, you should be able to file this claim through your insurance company assuming that you have comprehensive coverage on your policy. Comprehensive covers most damage to your vehicle that wasn't the result of an accident. This would include thi…
Jul 17, 2016 Appleton, WI

Can I remove a vehicle from my policy if it is broken down?

Thank you for reaching out to The Zebra!I would recommend keeping insurance on your vehicle even though it is inoperable. It will help you maintain continuous insurance which will help you get better rates in the future once you decide if you're fixing the car. Also, if your vehicle is damaged…
Dec 28, 2023 Pensacola, FL

Can someone with power of attorney make changes to a car insurance policy?

Thank you for reaching out to The Zebra. These are excellent questions!Because you have power of attorney, you are legally allowed to make decisions on behalf of your husband. If you contact his insurance company and provide a copy of the power of attorney you should be able to make any changes, li…
Jun 1, 2023 Louisville, KY