Car insurance coverage as out of state student
TLDR: Florida resident attending medical school out of state in colorado, needs insurance policy to meet florida laws while "garaging" my car in colorado.
So for background, I am a Florida Resident with Florida drivers license and vehicle registration. I moved to Colorado in July of 2025 for medical school and am here as a full time student for at least 2 years (no job outside of school). My primary address is still in Florida where my parents live. The car title is in my name and my parents wanted me off their insurance (since they have more assets than me I guess, but I'm still on their health insurance)
When I first moved here I got car insurance through progressive in the state of colorado, 2 months go by and I get a notice from the Florida DMV that my license and vehicle registration will be suspended if I do not show proof of a florida car insurance policy. So I canceled my colorado policy and got a new policy with progressive back in florida with my primary address/ parents address. My car is still "garaged" in colorado.
Fast forward to this past weekend and I get rear ended on i-25. I submit the claim with my insurance (florida policy) and they ask what i was doing in colorado and I tell them im here for school. They then send me a request to update my address and show proof of address. I call to speak with progressive underwriting person because I wasn't sure which address they wanted. He basically says that since my car is garaged in colorado, my policy will not be renewed at the end of its term.
SOOO now I need to find new insurance. BUT I don't want to give up my florida residency and change my permanent address, license and registration, when I plan to go back to Florida when I am done with school. Florida requires me to have an in state insurance policy, but progressive insurance won't insure me while out of state at school in colorado. I don't know what to do.
Any recommendation on how to keep my florida residency but get coverage out of state? Should I go back on my parents plan (if they would even let me)? or are there other companies that would be able to do this? I really don't want to go through the hassle of changing all my documents over to CO (especially since I'm moving to a new house for the next year, and then potentially out of CO for my 3rd year rotations and then back to FL for 4th year of school.)