In which state do you get car insurance?

Answer

It is based on your location.

It's difficult to rate a vehicle being driven by a person in another state. Of course, insurance companies do it all the time for parents of college students, but even if they live in another state during the school year, would still consider their parents' homes as primary residences. This creates a "loophole" of sorts as far as insured drivers, insured vehicles, etc. go).

The premium you pay is based on you and your location. Don't get yourself into a material misrepresentation situation where coverage is denied because you kept important information from your carrier.