Can I Register the Car in Georgia and Have Car Insurance in Another State?
Reader’s Question:
My mother bought me a vehicle. She lives in Alabama and I live in Georgia. Can she insure it in Alabama and I register it here in GA?
Ed
Augusta, GA
The Georgia laws states that you will have to have your car insured in Georgia if your registration and license plates are from GA. Even if Georgia did permit you to have an out of state insurance company cover your car it would likely be hard to find an insurance company that would cover a vehicle that was insured in Alabama but driven and kept out of state in Georgia.
The Georgia Motor Vehicle Division of the Department of Revenue states that car owners and lessees in this state are required to carry continuous GA mandatory liability insurance coverage on their car(s) to:Legally operate a vehicle(s);Register and get Georgia license plates (tags); and, Renew, transfer or replace their existing Georgia license plates (tags).
If your name is on the title of the vehicle your mother purchased for you then it should not be hard for you to obtain your own car insurance on the car. If your name is not on the title then there are some insurance carriers that will permit you to get insurance without insurable interest in the vehicle, but it would not be difficult for you to place coverage on the vehicle if your name was added to the car’s title.
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