yeah. i believe my insurance is local only. im sure they may take out of state people though. the companies name is Harbor Insurance Company. I am going through some small agent they have and thier name is Heart of Oklahoma Insurance Agency. they are located in purcell oklahoma. i dunno all about how to insure people out of state but i do know a buddy was going through some arizona insurance agency and they screwed him so he switched to this one. im sure if you went to yellow pages.com or something equivalent you can find thier tele #.