insure logo

Why you should trust

quality icon

Quality Verified

At, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

Insurance on a license is available in most states. However, the state-specific requirements vary across states. It is best to check with your insurance provider to know if you are covered while driving. This article lists the various factors that affect the validity of insurance on the license in states.  

State-specific variations

Insurance on a license, like other types of insurance, can have variations in terms of validity across states. While it is available in many states, the specific regulations and requirements can differ.

State insurance laws

Each state has its own set of insurance laws and regulations. Some states may readily accept insurance on a license, while others might have specific criteria or restrictions that affect its applicability.

  • Non-owner SR-22 insurance – If you need insurance on a license due to a license suspension or other legal requirements, some states might require you to obtain a non-owner SR-22 insurance certificate. This ensures you meet the necessary coverage standards even without owning a car.
  • Cross-state travel – If you plan to travel to other states, confirm with your insurance provider whether your coverage extends to those areas. Some policies offer limited coverage for out-of-state travel, so it is best to clarify before hitting the road.

Check with your provider 

Before assuming your insurance on a license is valid in all states, it’s important to check with your insurance provider. They can offer insights into the states where your coverage applies and any potential limitations.


Insurance on a license is available in most states, but its validity can vary depending on state-specific regulations. Always discuss with your insurance provider to ensure you have the right coverage for your needs, whether driving within your home state or doing cross-state travel.