Which states do not require car insurance?

Asked by: Marshall Kutch  |  Last update: February 11, 2022
Score: 4.5/5 (64 votes)

There are only two states where car insurance is not mandatory for all drivers: Virginia and New Hampshire. In Virginia, an uninsured motor vehicle fee may be paid to the state, while in New Hampshire, vehicle owners have the option to post cash bonds.

Is auto insurance required in all 50 states?

No, all states do not require car insurance, but all require financial responsibility to operate a vehicle on the roadway. ... If you choose to buy insurance, as most drivers do, all 50 states have different minimum insurance requirements.

Is car insurance mandatory in USA?

Car insurance laws are set and enforced at the state level, and 49 of the 50 states in America require all drivers to carry an active car insurance policy. New Hampshire is the only state in which you are not legally required to have car insurance, as long as you can show proof of financial responsibility.

Can I own a car and not have it insured?

California Law

You must show financial responsibility for any vehicle that you own, in case of injury to other people or damage to their property. ... If you do not have auto liability insurance, you can be fined, your license may be suspended, and your vehicle could be impounded.

Can you insure a car you don't own in Florida?

A non-owner policy in Florida will include liability insurance to pay for the other driver's losses if you cause an accident. ... However, you're covered by the PIP policy of the owner of the car you are driving. So, make sure that non-owner car insurance is right for your needs. Then shop for the best price.

What state does not require car insurance?

41 related questions found

What happens if you get hit by someone without insurance in California?

Depending on whether you've been caught without insurance before, you could be fined up to $500. When you factor in additional penalties and fees, you could be paying up to $1,000. In addition, you could face license suspension for up to four years and be required to file an SR-22 certificate.

Does Texas require car insurance?

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.

Is it illegal to not have car insurance in Texas?

Texas offers hefty fines and penalties for individuals caught driving without auto insurance. Failure to produce valid auto insurance amounts to a minimum fine of $175 and a maximum of $350. ... Also, a driver must fill out the SR-22 form through their insurer as evidence that you have the required liability coverage.

Does California require car insurance?

Insurance (also referred to as financial responsibility) is required on all vehicles operated or parked on California roads. You must carry evidence of insurance in your vehicle at all times and it must be provided when: Requested by law enforcement.

Is it illegal to not have car insurance in Arizona?

Arizona requires all drivers to carry a minimum amount of car insurance. If you're caught driving without it, the state may suspend your driving privileges for up to a year, charge a fine of up to $1,000 and require you to file an SR-22 certificate of financial responsibility.

Is it illegal to not have car insurance in Michigan?

Driving without insurance is considered a misdemeanor in Michigan. If convicted, you may have to pay a driver responsibility fee for two consecutive years, face up to one year in jail and surrender your driver's license for up to 30 days. You'll have to pay a $125 service fee to reinstate your license.

Does New Hampshire require car insurance?

New Hampshire has no mandatory insurance law. The Division of Motor Vehicles strongly recommends and urges all owners of motor vehicles to carry standard liability and property damage insurance. The Division of Motor Vehicles may require that persons have insurance (SR-22).

What's the most common type of insurance that states require?

Liability Coverage

Auto liability coverage is mandatory in most states. Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law.

What state has the highest car insurance?

Michigan. The Wolverine State has by far the highest car insurance premiums in the country: Drivers pay an average of $4,386 a year for minimum coverage — 459% higher than the national average.

Does Florida require bodily injury insurance?

Bodily Injury Liability coverage is not required to drive an automobile in Florida legally. ... This means that if you cause an accident that results in bodily injuries to another person(s), you must either have BI insurance or post a bond for the required amount of coverage.

What happens if you get pulled over without car insurance in Texas?

If you are pulled over and don't have car insurance, you will be facing a fine of up to $350, with a minimum amount of $175. ... Between the initial ticket and penalties and the long term consequences, driving without insurance in Texas will cost you between $925 and $1100 for a first offense.

What happens if police stop you without insurance?

The police can stop any vehicle in use on a road for any reason. ... The penalty for the offence of driving a vehicle without insurance is a fixed penalty of £300 and 6 penalty points or, if the case goes to court, you could get an unlimited fine and be disqualified from driving.

Is Texas a fault or no fault state?

The short answer is no, Texas is not a no-fault state. Rather, it is an at-fault state. ... At The Zimmerman Law Firm, our experienced Texas personal injury attorneys have helped countless accident victims fight for their auto insurance claims rights throughout the State of Texas.

Who is at-fault in a car accident Texas?

Texas is a "fault" car insurance state, which means you may file an insurance claim or lawsuit against the at-fault driver. So every driver can be held liable for any damages and injuries he or she causes in a car accident (Sec. 601.051).

Does California car insurance work in Texas?

The simple answer is yes, when you have a valid auto insurance policy, it covers you no matter where you drive in the U.S. That's true even when you're driving in a state with different rules about insurance than your own.

What's the minimum car insurance you need in Texas?

In Texas, you must have at least $30,000 in liability coverage for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25.

What states are no-fault states?

In the United States, there are 12 no-fault states, including Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kentucky, Massachusetts, Minnesota, North Dakota and Utah. Although a US territory, Puerto Rico also has no-fault laws, so we included its requirements below.

What do you do if someone hits your parked car?

Steps to Take at the Scene
  1. Call the police. An officer will document the incident and create an official accident report, which you will typically need to have when filing your claim with your insurance company, says the Insurance Information Institute (III). ...
  2. Document the accident. ...
  3. Notify your insurer.

What happens if the person at fault in an accident has no insurance in Florida?

You will probably be assessed a penalty for driving without insurance, such as suspension of your driver's license. The reinstatement fee for a Florida driver's license is around $150, and $500 for subsequent violations, according to the Florida Department of Highway Safety and Motor Vehicles.