What insurance is needed to drive in all 50 states?
Asked by: Chester Tromp | Last update: October 23, 2025Score: 4.9/5 (66 votes)
Which insurance is required in all 50 states?
So you don't need to worry about your state's rules when you're getting car insurance quotes. State car insurance requirements, unless you're eligible for an exception: Bodily injury (BI) car insurance is needed in every state except Florida. Property damage (PD) insurance is needed in all states and Washington, D.C.
Is car insurance mandatory in all 50 states?
Nearly every state, 49 out of 50, requires drivers to have some level of auto insurance. As of July 1, 2024, New Hampshire is the only exception (prior to that date, Virginia allowed drivers to pay a fee in lieu of carrying auto insurance). In New Hampshire, driving uninsured is completely legal for some drivers.
Do you need insurance to drive in all states?
Almost every state in the U.S. requires drivers to have some form of car insurance. The only state that doesn't require car insurance is New Hampshire. Instead, drivers must prove they have enough funds to cover any costs if they cause an accident.
What auto insurance is required in 49-50 states?
Auto liability insurance is mandatory in 49 states and the District of Columbia. New Hampshire, the only state that does not require auto liability insurance, requires drivers to show that they are able to provide sufficient funds in the case of an at-fault accident (i.e., financial responsibility).
How to get an insurance license in all 50 states
Does Geico cover all 50 states?
Geico auto coverage is available in all 50 states and the District of Columbia. It offers 16 discounts and a variety of optional add-ons, such as emergency roadside assistance, rental car reimbursement and mechanical breakdown insurance.
Is Progressive insurance in all 50 states?
Progressive offers coverage in all 50 states, as well as the District of Columbia, and underwrites more than 25.5 million insurance policies.
Which two states can you drive without auto insurance?
New Hampshire and Virginia are the only two states that don't require car insurance. That said, there is no one country-wide rule when it comes to how much car insurance you have to have. Each state has a different minimum amount of car insurance that drivers must obtain in order to legally drive on public roads.
What is the purpose of an umbrella policy?
What is an umbrella policy? Umbrella policies can protect your assets by paying large medical and repair bills that a court or your insurance company says you're responsible for paying. Most insurance policies – like home and auto – only pay up to a certain amount for liability coverage.
Is it illegal to have out of state car insurance?
In general, your car must be registered and insured in the same state, since both vehicle registration and auto insurance are based on your permanent residence.
What state requires no car insurance?
New Hampshire and Virginia are the only states that do not require auto insurance. However, if you choose not to purchase car insurance in these states, you would still be held liable for any property damage or bodily injury caused by their vehicle.
What does 15/30/10 mean in insurance?
If your limits are 15/30/10, this means: No more than $15,000 would be paid per person for Bodily Injury. No more than $30,000 would be paid per accident for Bodily Injury. No more than $10,000 would be paid per accident for Property Damage.
What states is it illegal to not have insurance?
New Jersey, California, Rhode Island, Massachusetts, and the District of Columbia require their residents to have health insurance coverage or face penalties. Vermont recommends that residents have coverage, but there's no noncompliance penalty.
Does car insurance cover you in every state?
No matter where you live, your standard car insurance policy will typically cover you in all 50 states and Canada.
Does Blue Cross Blue Shield cover all 50 states?
With access to the largest provider network in the world, your Excellus BlueCross BlueShield plan offers a world of options. Our members have access to medical assistance services, doctors, and hospitals in all 50 states and more than 200 countries and territories around the world.
What is the lowest form of car insurance?
The minimum amount of car insurance you'll typically need is state-required liability coverage. This allows you to pay for some, if not all, injuries and damages you're liable for in an accident. The most commonly required liability limits are $25,000/$50,000/$25,000, which mean: $25,000 in bodily injury per person.
Who really needs umbrella insurance?
Standard homeowners and auto policies typically won't offer more than $500,000 in liability coverage, which means you may need an umbrella insurance policy to fully protect your assets if your net worth exceeds $500,000.
How much does a $1 million dollar umbrella policy cost?
Umbrella policies typically start at $1 million in liability coverage. According to an ACE Private Risk Services report noted by Forbes, the average cost a $1 million personal umbrella policy is $383 per year for an individual with one home, two cars, and two drivers.
What are the disadvantages of the umbrella policy?
Cons of Umbrella Insurance
Your own property will not be covered by umbrella insurance. You will need to purchase a separate business policy. There are some limits on what is covered by an umbrella insurance policy, such as intentional acts of wrongdoing.
What states are mandatory car insurance?
Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
Can I drive a car in the USA without insurance?
You cannot legally drive in any state without demonstrating financial responsibility for damages or liability in the event of an accident. In most states auto insurance is mandatory as proof of this responsibility.
What is the penalty for driving without insurance in New Mexico?
New Mexico
The penalty for driving without insurance is a fine of up to $300, up to 90 days of jail time, or a combination.
What insurance is accepted in all 50 states?
Medicare is run by the federal government, which is why Original Medicare coverage is the same in every state and includes nationwide access to providers.
Who is cheaper, GEICO or Progressive?
GEICO is cheaper and has better ratings than Progressive. Your experience with GEICO and Progressive will vary based on individual rating factors.
What insurance do all states require?
State minimums and coverage types vary, but nearly all states that mandate insurance require liability coverage for property damage and bodily injury. The sole exception is Florida, which only requires liability coverage for property damage, in addition to PIP coverage.