US license, UK permanent resident, road trip US to Canada?

Hello,

I apologize in advance if this question has been asked many times and I have missed it.

I am American with an Ohio license, but a permanent resident of the UK (without a UK licence). I don't have a residence in the States. I am going to visit my family back in Ohio in a couple of weeks and am thinking of doing a road trip to Toronto. Every time I've been home in the past and used my parents' car I haven't had to think about car insurance since their car is insured but now I'm wondering if I take their car out of the country, do I need to get some sort of special insurance out on myself? Does that even exist in the States? I am so confused!

Any thoughts or similar experiences would be great to hear. thank you!

I would ask your parents to give their insurance company a call and ask.  You may be covered with their permission or they may have an option for extended insurance.

Ok, thank you for your help!

You also need to make sure your Ohio license is still valid. Some states require you to notify the DMV within 30 days of a permanent move, and some immediately cancel a license when you move abroad or out of state. (Virginia is one such state - they require you to notify, and invalidate you license when you move out of the state; the license is also invalidated if you do not inform them, and cannot prove that you reside at the address on your license.)

Some states don't care, but in case of an accident, you don't want to find that you were driving without a valid license. The expiry date may not mean anything depending on Ohio law.