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Dirtlegal.com is what you are looking for (not just for off road vehicles despite the name)
Are you in CA?
CO
Mine is registered in Michigan. My mother in law works in insurance and says if and when I get in an accident in my home state the claim would almost certainly going to be denied.
This is false. Your insurance follows you around, it’s valid in whatever state you drive to. I literally went to get my car fixed (windshield replacement) in a different state that what’s listed on my policy and I was explicitly told that. It was no issue at all. 2 years later and it still is no issue at all.
In Virginia, they have this thing called rapid pass. They set up a mobile emissions site and I drive through it like 15 times and hope to get a passing score. Worked so far!