car insurance types of cover

Some types of auto insurance covers me only on a local area?
My mother told me I should be back in ST. Augustine instead of drive myself, simply because my insurance would not cover me if I get in an accident there. Personally, I think she lied to me to stay away from driving because they think his car accident. But he paid $ 2,000 every 6 months for the insurance is certainly tells me that her training for local coverage. Do some insurance companies cover in your area?
She is lying, yes, but if it does not go into an accident your insurance will be reviewed again, because I can not buy Whole-only-use-it-for-work-and-school thing.
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