Can You Register and Insure a Car in Different States?

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Can You Register and Insure a Car in Different States?

Hi everyone, I need some advice. I’m a 20-year-old college student living in Texas with my family, but I attend school in New York. Given the impracticality of making the 25-hour drive between states regularly, we’re considering buying a car in New York and registering it there. Another option is purchasing a certified pre-owned car online and having it shipped to my address in NY. One concern with buying a car in Texas is the annual inspection requirement, as I won’t be bringing the car home every year during breaks.

So, can you register a car in one state and insure it in another? Registering in NY makes sense since I’ll be driving there for the next few years, but insurance costs in NY are prohibitively high for me. I’ve never been on my family’s insurance plan (got my license at 18), and quotes are showing a 6-month payment of around $2500. Can my dad add me to his Texas insurance plan even if the car is registered in NY? I’ve heard NY has strict car insurance laws.

I’d greatly appreciate any suggestions or ideas you might have, Thanks.

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The vehicle must be registered and insured in the state where it is both used and kept (garaged).

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Thank you for your assistance :handshake: :handshake: :handshake:

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You can’t register a vehicle in New York with Texas insurance. You’ll need to register and insure it in New York.

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As a student registered in a program, you likely get a pass having an out of state car in NY, while you are a student. Assuming that is true, and you should verify that NY law covers this scenario,…

You can have a TX car (can be purchased in NY, but licensed, registered and insured in TX). Your driver’s license should also be kept in TX. However, if you have multiple claims in NY, your insurer can drop you.

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I assumed this was the case because I’m a student. The primary concern would be the annual inspections. Since I wouldn’t bring the car back to Texas every year due to the distance, is there a way to obtain an exemption from these inspections?