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What State Should My Auto Insurance Be In?

There has been some confusion over time regarding what state your vehicle’s insurance needs to be in.  If you live primarily in one state (where you are licensed), you most likely have your vehicle titled and registered in that state.  If that is the case, that is the state that your insurance needs to be in.  If you do not have your vehicle titled and registered in that state, you need to do make a change to where it is.  Say for example you are a “snow-bird” and have a second home in another state and have a vehicle at both locations. Both vehicles should be titled and registered in the state where they primarily are.  

Auto Insurance is based in part on the area where your vehicle is garaged (a.k.a. risk assessment).  Also, every state has different rules and handles coverage differently. You want to make sure that you are covered correctly in the event of a loss. If your primary home is in Michigan, the vehicle that you use primarily in Michigan needs to be titled and registered here. 

If you have any questions, your friends in the insurance business are here to help!