Gotta go with catlady711 on this. No offense to police officers, but they are not the people writing the contract of insurance. Your parents are obligated to tell the insurance co of all licensed drivers in the house. Rates are written off of that. You are not a household member, BUT, you are the regular, if not only, driver of that car. I imagine the insurance co does not know that the car is garaged out of state.

Cars must be registered where they are principally garaged. There are some exceptions...college kid out of state, but that is a household member.

I would not want to find out after an accident that you are not insured.

Just sayin'!