Car insurance in different states

In most cases, you only need one policy that covers you in both states. The key to determining which state to buy your insurance from is where you keep your vehicle most of the time. For example, if you live in Connecticut but work out of state in New York, you would have a Connecticut car insurance policy since the vehicle is kept there overnight.

Most car insurance companies require that the car be registered and insured in the same state. Most state motor vehicle departments require that the vehicle be registered in the same state as reflected on their driver's license. Some insurers have special options for such situations. You should ask an insurance agent how to handle it.

Other areas with high car insurance rates include Colorado, New Jersey, South Carolina, Texas and Washington, D.C. Drilling down deeper reveals that the states where policyholders will actually pay the highest possible rates (not the average), although you will pay lower, on average, for a policy in these states: