I live in AZ, I have a crashpad in CVG, and I have a house in FL. I have cars at all three locations and I have an Arizona driver's license. All cars are registered and insured in the state that THEY live in, and I have Geico and Progressive insurance. I have never had an issue with this, and I've been doing this for a long time.

A long time ago I had some issues with State Farm. My advice is to stay as far away as possible from State Farm, especially in light of hearing their latest Homeland Security BS.