Are there coastal guidelines for auto insurance?
Not really. It’s been shown that in states like Texas (where devastatingly large natural disasters like hurricanes occur with some frequency), insurance companies will simply shut down and not issue new policies on homes or cars until a particular natural disaster has been cleaned up and things are back to "normal." That’s not really something automobile owners can control, though.
The CARCO inspection
In some coastal states, there’s something automobile owners have to submit to called the CARCO inspection. What this means is that you may have to agree to have your car visually inspected for damage on a regular basis in order to get insurance. Many insurance companies for states like Texas and Florida will not insure cars until they’ve undergone that CARCO inspection and have passed.
What else should you know?
Beyond these two possible exceptions, coastal guidelines for auto insurance are the same as those for cars that are housed off-coast. If you live in Texas, you have to carry at least liability insurance on your car in the amount of $30,000 personal injury coverage per person, or $60,000 per accident. You also have to carry at least $25,000 in property liability insurance.
If your car is newer than 10 years old, it’s a good idea to also include comprehensive and collision insurance coverage. Comprehensive insurance coverage covers your car if it’s damaged in a non-accident event, such as through theft, vandalism, "falling tree limb" damage, and so on. Collision insurance covers repair or replacement of your car at its current value if you’re in an accident and you are deemed at fault. If your car is older than 10 years old, liability-only coverage is generally advised, since premiums are going to cost you more than the replacement value of your car is worth.