Does my car insurance cover me if I drive out of state?

Most car insurance policies will cover you throughout the United State and also in Canada. However, a handful of states require or allow the sale of inexpensive basic policies that do not cover you out of state.

Where is my car insurance valid?

Most U.S. auto insurance policies are valid throughout the United State and in Canada. The coverage available is usually the same as what you've purchased in your state. Occasionally the state you are traveling through may require higher minimum limits or a specific type of coverage not available in your state. In those cases, your policy will meet the state requirement, even if it's higher than what you purchased.

In a small handful of states (like Massachusetts), there are minimum limits policies available that are more affordable because their coverage area is limited to your state. If this sounds at all familiar or you're not sure, a call to your agent or insurance company should get you a quick answer.

Does my car insurance cover me if I travel internationally?

If you travel to Canada, typically yes. Most car insurance is not valid in any other country. If you'll be driving abroad you'll either want to buy travel insurance that covers international driving or buy coverage at the rental car company.

Does my auto insurance cover me when I rent a car in another state?

Yes, your car insurance or non owned auto policy covers your liability when you drive a rental car in another state. If you own a car, coverage for the rental vehicle varies based on what you've purchased for your own car and your insurance policy. Non owner car insurance does not cover the rental vehicle.

If you don't have coverage for damage to the car, you have two alternatives. First, if you pay for your rental with a premium credit card, you may be covered as one of perks of your card. (Definitely check first!). You're looking for a benefit called "Collision Damage Waiver" in your credit card materials. Alternatively, you can buy the same coverage by the day at the rental car counter.

Read more about what credit card rental car insurance covers and what it doesn't.