Car Insurance Laws
Driving without car insurance is illegal in most states, and individual state car insurance laws will specify the minimum requirements drivers must carry to legally drive on public roads. Auto insurance laws will vary by state, so it's important to check your state's Department of Insurance to confirm how much coverage you need. Scroll down for a list of car insurance laws by state.
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Written by
Tonya Sisler
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Reviewed by
Brad Larsen
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UPDATED: Oct 24, 2020
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- Driving without insurance is against the law in almost every state
- Car insurance laws differ depending on where you live
- The factors that change depending on where you live include the type of coverage required and limits of coverage
Car insurance laws are in place to protect citizens from liability in the event of a car accident and not a way to taxi drivers.
In fact, most car insurance laws require only minimum levels of coverage so car insurance will cover any damage to your vehicle along with minor injuries.
While its natural to think any form of government-mandated insurance is a nuisance, it’s vital to the financial protection of your vehicle and your financial security.
Enter your zip code above to get FREE car insurance quotes today!
Why do I need car insurance?
The best drivers in the world will tell you it only takes a simple mistake to crash your car and these are people on closed circuit race tracks with only a limited number of vehicles around.
Most of us commute with thousands of others cars every day so whether or not you are the best driver in the world, it doesn’t mean you’re untouchable.
In fact, statistics show that a car accident happens almost every minute of every day, so your odds of being involved in a car accident at some point are pretty good.
Not only will driving with no car insurance subject you to hefty fines, possible drivers license suspension and even criminal charges in some circumstances but you are also exposing all of your assets to liability.
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Car Insurance Laws by State
Car insurance laws differ depending on where you live, but you can count on some mandatory minimum car insurance requirements.
The factors that change depending on where you live include the type of coverage required and limits of coverage.
Learn more about minimum car insurance requirements here or go directly to the car insurance laws of your state by clicking below:
Find affordable insurance today! Enter your zip code below to get started!