“While car insurance
does normally follow the car and not the driver, there are a few reasons why your insurance company wouldn’t provide coverage.
First off, since your sister drives your car, she needs to be a driver on your policy.
The other issue is that your car is insured in a different state, meaning your insurance company believes it is garaged at your address. Should anything happen to your vehicle where your sister lives, your insurance company will begin investigating to figure out why the car was not in your state.
The best thing you can do is add your sister as a driver on your policy. You can then also update the garaging address to reflect her location. While this could cause a change in your premium, it’s better to have coverage than not in case of an accident.