Ignorance IS painful...*sigh*

[Cataholic]

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'!

[Lady's Human]

The only legal situation I'm aware of where you can have a license from one state and have a vehicle registered in another state is if you're an active duty military member or family member of an active duty military member.

For instance, I registered my truck when purchased in NY, though my driver's license was from MA at the time. All I had to do was give them my FT Drum address and there was no problem.

According to NY state law, if you're living in the state for more than 90 days, you have to transfer your license and plates to your NY address unless you are a servicemember or college student. If you're living in NY for more than that time period and you get pulled over or have an accident, you're on your own, because legally you're driving without a registration, valid insurance and license.