Does Auto Insurance Cover Out-of-State Travel?

As summer approaches, many drivers are planning their adventures beyond state lines. Before you hit the highway, it’s important to understand how your auto insurance policy works when traveling out of state.

Will My Policy Offer Coverage if I Drive Out of State?

Most standard auto insurance policies automatically extend coverage when you drive in other U.S. states. This means your liability, collision, comprehensive and uninsured/underinsured motorist coverage typically follow you across state borders.

If you’re involved in an accident while traveling, your policy may adjust to meet the minimum insurance requirements of the state you’re visiting, even if those limits are higher than in your home state.

What Should Drivers Consider Before a Road Trip?

Keep these tips in mind before heading out:

• Discuss your auto insurance and travel plans with your broker ahead of your trip.
• If you plan to rent a car, ask if your policy extends to rental vehicles.
• Some policies may have restrictions for travel. Additional coverage may be needed for out-of-state or international trips.
• Always have proof of insurance with you, as it may be required if you’re stopped by law enforcement in another state.

How We Help Drivers Prepare

Best Buy Auto & Home Insurance Agency Inc is here to help you understand your auto insurance policy and verify that you’re covered wherever your travels take you. We can review your policy, answer your questions and recommend any additional coverage you may need for your next road trip.

Contact us today for a policy review or personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.