Some motorists may need to take their cars across state lines due to work commitments or pleasure. So, they would naturally want to know the position with their car insurance coverage each time they take a trip. Let’s see if they need a new policy to comply with the requirements of the places they drive or the existing one would be sufficient anywhere in the US for such visits.
Each has own legislations. Nevertheless your policy in the state you are resident would be fine even though there may be variations in the rules and coverage requirements. You are not expected to comply with each of them for short out of state visits.
It is not mandatory but it may be a good idea to arrange decent liability vehicle insurance coverage anyway. While people in some regions are easy going the other areas can be litigious and courts are agreeable to claimants than defendants. Also, different rules may apply to suing at fault drivers. While one jurisdiction may limit such actions the other may let everything stand.
Complying with the minimum requirements is only a small part. The fact remains that people can go after you if the coverage is not enough to compensate all the losses you caused. So, you should really try to have a decent protection against third party claims since they are unpredictable and potentially large losses. They are also the most troublesome and stressful to deal with.
Generally, liability limits are pretty low and most people increase them anyway. So, you wouldn’t really be doing anything extra other than having more reasons to do so now.
However, moving out permanently would mean that you would now have to comply with different rules and therefore have to replace current auto insurance policy with one from the moved in jurisdiction. If the current carrier is licensed in both they may be able to help you out by switching you nicely. You should first check with them.
You may be allowed to drive with the current arrangements for a certain period. However, sooner you switch is the better. Some people may prefer to keep it going as long as they can especially if it was cheaper.
Moving to a different state is one of those circumstances that changes whole price dynamics. Therefore, you should shop with an open mind. What you know previously may not be applicable anymore, especially in terms of competitiveness of the premium. Updated requirements can make it more expensive or cheaper and some companies may lose their competitive edge. Besides, it isn’t hard to get a few quotes and compare them.