Car Insurance for Road Trips

Do you need a special policy to stay insured when driving across state lines?

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Ava Lynch

Insurance Analyst

  • 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…

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How does car insurance work when traveling cross-country?

Your car insurance will follow you into another US state. If you’re taking a cross-country road trip and are worried about your insurance coverage reaching from Texas to California, rest assured — your policy will cover your interstate travel. Read on to learn more about additional considerations, including how shared driving responsibilities should be handled and some potential coverage limitations. Need coverage for an upcoming trip?  Enter your ZIP code above to receive customized quotes in under 5 minutes and find the best car insurance for you.

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Car insurance for road trips

There is no specific road trip car insurance policy. If you’re planning to share driving responsibilities with someone not covered by your insurance policy, you should check to confirm your policy includes permissive use.

The permissive use clause in car insurance extends coverage to someone unlisted on the policy who uses the vehicle infrequently — fewer than 12 times per year. Permissive use allows you to share driving responsibilities during a road trip.

Many of the best car insurance companies offer a permissive use option. Some smaller insurance companies offer permissive use with certain restrictions. Check your policy information before your interstate journey!

Auto insurance for traveling to different states: state minimum coverage levels

Car insurance is regulated at the state level, so every state writes and administers its own insurance requirements. For example, below are the minimum required insurance levels in a few popular destination states (Florida and California) and their neighbors. If you aren't sure what your state requires for minimum auto insurance coverage, we have information listed for each state that may be helpful as you evaluate your current coverage.

Luckily, if you travel into a state with higher required insurance minimums than yours, your limits will automatically increase to meet the requirements. For example, your California limits would increase to $25K/$50K/$20K if you were to travel to Oregon.

Your liability insurance will not decrease if you travel to another state with lower limits.

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State Bodily Injury Property Damage Uninsured motorist BI Uninsured motorist PD Personal Injury Protection
California $15,000 per person/$30,000 per accident $5,000 per accident None None None
Oregon $25,000 per person/$50,00 per accident $20,000 per accident $25,000 per person/ $50,000 per accident None $15,000
Florida None $10,000 per accident None None $10,000
Georgia $25,000 per person/$50,00 per accident $25,000 per accident None None None

What if I plan to rent a vehicle for my road trip?

There are a variety of situations where renting a vehicle might make more sense than driving your own, such as taking your whole family, plus your kids' best friends, to Disney World. Your daily driver may not be the most efficient vehicle for eight people to travel through six states together. 

Thankfully, your car insurance policy allows you to drive through other states in the US without changing insurance coverage at every state line. And typically, your coverage will apply to rental vehicles here in the US. However, it's important to know what your policy limits are, and it may provide more peace of mind if you have additional liability coverage, for example.

When it comes to rental car insurance most companies offer insurance options that make obtaining additional coverage very convenient. You can usually opt in for this coverage either when you reserve the vehicle, or when you pick it up. Also, check with your credit card company to see what kind of rental car insurance they may offer to customers. It's also a good idea to communicate with your insurance agent ahead of your trip just to make sure you understand the coverage you currently have. Take look at our rental car insurance information for a more detailed explanation on this topic.

Should I get roadside assistance before my road trip?

Yes! Roadside assistance can fill in much of the gaps left by traditional auto insurance and car warranties. Even well-maintained vehicles can experience unexpected issues. Roadside assistance provides peace of mind, knowing that help is available no matter where you are.

Meet Auto Hero

The Zebra has partnered with FIMC to offer our customers Auto Hero, a roadside assistance program that steps beyond conventional offerings from insurers like GEICO or State Farm. One of Auto Hero's standout features is its flexibility; you can extend your coverage to any non-commercial vehicle you're traveling in, not just your own. It also offers day-to-day protection that guards against routine mishaps and even helps reduce maintenance costs.

Opting for Auto Hero can drastically reduce the stress and potential costs associated with vehicle troubles, making it an indispensable tool for both road trips and everyday driving. By choosing Auto Hero, you're not just preparing for the unforeseen; you're also ensuring that every journey—no matter how near or far—begins with confidence and security. If you’re interested in discussing the Auto Hero Plan with a representative, click the button below or call (888) 444-2833.

Auto Hero Benefits:

✔ Unlimited 24/7 roadside assistance: Towing, battery, lockout, tire change, emergency gas delivery

✔Auto repair discounts: 50% off qualifying services up to $500/repair, $1,000/year

✔Auto insurance deductible reimbursement: Up to $500 for a collision or comprehensive claim on covered vehicles

✔Discounts on repairs: tires, mufflers, brake services and more from participating providers

✔One low price: it covers your entire family and their cars too!

✔Flexible payment options: Pay in-full or monthly for a 6 or 12-month policy term

Additional considerations

There is not a lot to consider when planning a cross-country road trip in terms of your car insurance, but always:

  1. Be aware of your current coverage and contact your insurance company if you have questions.
  2. If someone not listed on the policy will be driving, add permissive use to your policy.

For additional insight, check out our pages on non-owner car insurancetemporary car insurance, and uninsured motorist coverage.


Want permissive use? Enter your zip code to see rates.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
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