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My husband is in the military so we move around a lot. Do our vehicles have to insured for the state in which we live and house our cars?

Military families have special rules that apply to them regarding their driver's license as well as car's registration. Normally they are allowed to keep their driver's license and car's registration in the state which they declare as their permanent residence but state laws can differ.

For example the Nevada DMV states that students, active duty military personnel, (including their accompanying family members), and others living temporarily in Nevada are not required to register their vehicles or obtain a driver license as long as they are not employed in Nevada.

However, they must have a valid vehicle registration, driver license, and insurance from their home state in order to operate vehicles in Nevada. Should someone such as a military dependent or non-resident student obtain employment in Nevada, they will be subject to DMV rules as a Nevada resident.

From this information above, and information we have read on other State's DMV sites, some states will require your military dependents to surrender their home state's driver's licenses and apply for driver's licenses in the state where they will be stationed as well as register and insure there. I would suggest checking with the local Motor Vehicle office or with the Housing Office on your base to determine what will be required for new service members and their dependents in the state in which you are currently stationed.

You also should inform your insurance agent that you are in the military and stationed in another state. Each state has varying requirements regarding the minimum levels of coverage needed. Your insurance agent will be able to advise you if your policy is adequate or if any changes need to be made.

It may be that your insurance provider does business in your home state as well as the state in which you are stationed. If that is the case then you may see if they want you to change over your insurance to make it from the state which you are living and garaging your vehicle.

For example the North Carolina Department of Insurance site states that if you are stationed in another state your auto insurance policy will automatically meet the other state’s liability requirement. The DOI goes on to say that when it is time to renew your policy you may be required to purchase insurance in the state where you are stationed.

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This car insurance question was asked on 11/29/2006
This auto insurance answer was last updated on 12/12/2006
Kalyne requested this car insurance solution.
Rated 0 out of 10 based on 0 votes.
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