California Auto Insurance Question
Reader’s question:
I live in California and My car is registered in California but my sister uses it in Arizona. Should I get an insurance in Arizona if my sister is authorized to drive my car?
Ether
Thank you for asking Ether.
You should insure the car in the state where you registered it. It would be difficult to insure your car in Arizona since your car is registered in California. Almost all insurance companies would not allow to insure the car if the owner living in the one place and the car is residing or garaged in another state. That means they do not allow insuring vehicles from more than one household.
One more thing is that there are different required insurance in different states. In California the mandatory minimum liability insurance is 15/30/5. This means that the personal injury protection is $15000 per one person per accident, $30000 per 2 or more persons per accident and the property damage liability is $5000. The state of Arizona, however, requires 15/30/10. It also required in Arizona for all motor vehicles that will be continuously on their roadways to be covered by the insurance providers that is authorized to do business in the state.
For your car to be insured in Arizona, you will need to register it in Arizona. You may contact the Arizona Department of Motor Vehicles on how to go about insuring your car in that state.
Goodluck!
MariCAR
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