You may have to pay a higher rate for not having continuous auto insurance coverage when you return from 2 years abroad in Europe for work purposes. It will ultimately depend upon the underwriting rules and insurance company's guidelines of the insurance company you get your auto insurance with after returning and buying a new car to place insurance on.

You will likely lose some discounts, such as renewal discounts and without having a US insurance provider for a few years or so some insurance companies may not choose to insure you. Some automobile insurance companies will not write you a policy without at least six months prior insurance.

Ordinarily if you sell your cars and are without a vehicle to insure you can obtain a non-owners policy so that you have continual auto insurance coverage on yourself. With you going out of the country though you may not be able to get a non-owners policy for that time period, ask your current insurer to see if this is possible.

If it is possible then you would need to see if the cost of carrying a non-owners policy would be cost effective. You thus would need to see if the higher cost for being without insurance would be more or less than the cost of having a non-owners policy for 2 years. Your agent should be able to give you an estimate of what your insurance may be after being with a US auto insurance policy for 2 years and for how long those higher rates would last.

Come to us for an affordable auto insurance quote with companies that will insure you even after a lapse in insurance coverage after you return from your job assignment in Europe.