Car Insurance Laws

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently...

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business...

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Reviewed byBrad Larsen
Licensed Auto Insurance Agent

UPDATED: Mar 13, 2020

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In a nutshell...
  • 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.

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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.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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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:

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