What state does not require auto insurance?
Asked by: Lonny Boyle | Last update: January 11, 2026Score: 4.5/5 (71 votes)
Are there any states that don't require car insurance?
Which states do not have mandatory car insurance? New Hampshire and Virginia are the only two states that don't require car insurance. In Virginia, drivers can pay the state a fee of $500 instead of buying car insurance, but that leaves them on the hook for damage they cause in an accident.
Is there a state where car insurance isn't required?
New Hampshire is the only state that doesn't mandate car insurance. However, drivers who choose not to buy car insurance must prove they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event they cause an accident.
Why don't you need car insurance in New Hampshire?
Unlike most states, New Hampshire doesn't mandate auto insurance for all drivers. Instead, it requires proof of financial responsibility, meaning you must show you can cover costs for bodily injury and property damage if you cause an accident. Understanding these laws is crucial.
Does Florida require car insurance?
Any vehicle with a current Florida registration must: be insured with PIP and PDL insurance at the time of vehicle registration. have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL.
What state does not require car insurance?
Can I have a car in Florida without insurance?
No, in Florida, you generally cannot have a car without insurance if it's registered and has a valid license plate. Florida law requires that all vehicles with four or more wheels must maintain continuous insurance coverage throughout the entire registration period.
Can my car be registered in one state and insured in another?
Registering a vehicle in one state while holding an insurance policy in another is not permitted for most drivers. This restriction is due to variations in traffic laws and minimum insurance coverage requirements. Attempting to insure a vehicle in a state where you don't live might be insurance fraud.
Does Maryland require car insurance?
All Maryland vehicles MUST be insured at ALL times by a vehicle insurance company licensed in Maryland. Your vehicle insurance must cover, at a minimum: $30,000 for bodily injury.
Does Virginia require car insurance?
Virginia Code § 46.2-706 requires all Virginia registered motor vehicles to be insured by a liability policy issued through an insurance company licensed to do business in Virginia, and it must remain insured while registered, whether or not it is operated. Penalties are severe for violation of this requirement.
Do you need car insurance in Texas?
Texas law requires all drivers to have adequate car insurance. According to state law, Texas drivers need to have minimum insurance coverages of $30,000 per injured person, up to at least $60,000 per accident. Additionally, Texas drivers must have coverage for property damage of at least $25,000.
Does Vermont require car insurance?
Carrying car insurance in Vermont is indeed a legal requirement, but it's also just a good idea. You can further protect your assets by adding coverage or increasing your current limits.
Does Tennessee require car insurance?
It's against the law to drive without car insurance in Tennessee (unless you have posted the required $65,000 bond or cash deposit to forgo an insurance policy). If you get caught driving without at least the minimum amount of coverage, you'll have 30 days to provide proof of your insurance.
Is car insurance required in South Carolina?
South Carolina law requires that you purchase liability and uninsured motorist coverage to drive legally in the state. Auto insurance is divided into two basic coverages: liability and physical damage.
Can the color of your car affect your insurance premium?
Does car color affect insurance rates? The color of your car doesn't affect your insurance rate. Instead, your insurance company uses other information, like your car's age, location, usage, and your driving record, to help determine insurance rates.
What state has no fault lines?
The few states with none or hardly any (ND, SD, NE, KS, OH, WV, DE, FL) are almost entirely covered with sedimentary rocks that have not been faulted since the rocks were deposited. The faults in CA, NV and the coasts of OR and WA are potentially active.
Can I get car insurance in a state I don't live in?
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. In fact, using an address for insurance that's different from the primary residence where you keep your vehicle is a form of insurance fraud.
Are there any states where car insurance is not mandatory?
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 is the new insurance law in Virginia 2024?
Effective July 1, 2024, Virginia joined the majority of states by requiring residents with registered vehicles to drive with and provide proof of auto insurance, leaving behind New Hampshire as the only state to allow uninsured drivers.
Does New Hampshire require car insurance?
New Hampshire motor vehicle laws do not require you to carry auto insurance, but you must be able to demonstrate that you are able to provide sufficient funds to meet New Hampshire motor vehicle financial responsibility requirements in the event of an “at- fault” accident.
Does Pennsylvania require car insurance?
Pennsylvania law requires all Pennsylvania motor vehicle owners to maintain vehicle liability insurance (financial responsibility) on a currently registered vehicle. Vehicle liability insurance covers the property damage or injuries you may cause others in a crash.
Does the state of Michigan require car insurance?
To drive legally in Michigan, state law requires the purchase of no-fault automobile insurance.
Does the state of Mississippi require car insurance?
Beginning January 1, 2001, Mississippi law requires that all drivers maintain liability insurance and carry a card in their vehicles at all times showing that you have liability insurance.
Can you keep your car insurance if you move to another state?
When you move out of state, you'll need a new car insurance policy, even if you can stay with the same insurer. Your insurance company will cancel your old policy because every state has different coverage requirements and regulations.
Can someone put a car in your name without you knowing?
Yes, it's possible for someone to steal your identity and buy a car in your name.
Can you have a driver's license in one state and car registered in another?
Thirteen states let you register your car even if your driver's license is from a different state. You may be able to register your car in one of those 13 states, which include California and Florida, if you are a part-time resident in the state or a member of the military.