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I would think it is based on your primary residence. That is how it works in MA

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Q: How do you insure your car if you work half the year in another state?
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Can you insure your auto in your state of residence and work in another state and stay in that state?

You must insure your car where it is tagged. yes you can live in one state and work in the other. if you live in the state where you work get a po box in the state where the car is tagged. If you "stay in that state", it can make you a "resident." In many states you must register and insure a vehicle used in that state if you are a "resident", under their interpretation, or if your vehicle is parked or garaged in their state for more than a minimal part of a year (e.g., 30 days in Massachusetts). At the very least, you may be required to demonstrate financial responsibility to continue exercising the driving privilege if you're caught with an invalid out-of-state registration.


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