Do You Need Insurance to Register a Car?

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Do You Need Insurance to Register a Car? – You may be wondering if you need insurance to register your car, don’t worry, you are not alone. A lot of people often wonder if it is a requirement to register a car with insurance. In most places like the United States, yes, you need insurance to register a vehicle. Even in other states that do not mandate having insurance on the registered car, you are still required to have minimum liability coverage.

Do You Need Insurance to Register a Car?

This article aims to enlighten our readers on what to know about registering a car without insurance and other information that would help broaden your horizons.

Do You Need Insurance To Register A Car?

The answer to this question is dependent on the state you live in. If you reside in a state where it is mandatory to have insurance on a registered car, then you will be required to get auto insurance. Few states may still allow you to get a license plate without insurance but you won’t be able to drive the car until you get a standard auto insurance policy.

Regardless, most state requires drivers to have insurance before registering a car. Typically, having insurance on a registered car is a legal requirement in most states. Generally, you are required to have a minimum amount of liability insurance to drive your vehicle. You can also include another type of coverage such as uninsured motorist insurance or personal injury protection. Essentially, drivers should be aware of their state laws and adhere to them.

States That Require Insurance to Register a Car

  • Alabama             
  • Alaska  
  • Arkansas             
  • Colorado
  • California
  • Connecticut
  • Delaware            
  • Florida
  • Georgia               
  • Hawaii  
  • Idaho   
  • Illinois
  • Indiana                
  • Kansas 
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan             
  • Minnesota
  • Missouri
  • Montana            
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • New York           
  • North Carolina
  • Ohio
  • Oklahoma          
  • Oregon
  • Pennsylvania
  • Rhode Island     
  • South Carolina
  • South Dakota    
  • Texas   
  • Utah     
  • Vermont             
  • Virginia
  • Washington
  • Washington, D.C.
  • West Virginia
  • Wyoming

States That Do Not Require Insurance to Register A Car

Not all states require you to have insurance b before registering a car, such as;

  • Arizona
  • Iowa     
  • Mississippi
  • New Hampshire
  • North Dakota
  • Tennessee
  • Wisconsin

In these states, you can register your car without insurance but you are required to have minimum liability coverage before driving

Dangers of Driving an Unregistered Car

There are so many risks involved if you keep driving a car that is not yet registered or without insurance. In some states, you may be allowed to drive a car without registering it and this is done so that your mechanic can access the car before you purchase it. Even at that, you could face financial and legal consequences in the event of an accident.

Those caught driving an unregistered car will face penalties according to the state laws that govern auto insurance. In most cases, you could face legal consequences, like car impoundment, payment of a fine, or license suspension. To avoid these penalties and other significant risks, ensure you register your car properly before driving.

What You Need To Know Before Driving a Car

The requirements for drivers vary from state to state, in some states; drivers are not mandated to have minimum auto coverage while others do. Regardless of all these, it is important to understand the laws that govern your state and what you are required to do as a driver. This would enable you to know what you need to put in place before driving your car around. We have helped to curate some of the things you’ll need before driving a car, such as;

Valid Driver’s License or Learner’s Permit:

Before purchasing a car, one of the primary things you should work on is getting a driver’s license or learner’s permit. All states in the United States require drivers to have a valid driver’s license or learner’s permit. This is to ensure that they conform to the rules of the state and it ascertains their eligibility to drive on all public roads.


Your car has to be duly registered with a state Department of Motor Vehicles for you to be able to drive on public roads. If you are caught driving an unregistered car, there are severe legal penalties you are likely to face.

Proof of Insurance:

As a car owner, you must have proof of insurance on your car, except if you are residing in New Hampshire. It is only in New Hampshire that drivers are not required to have proof of insurance but in other states, car insurance is required. Even if you reside in New Hampshire and you do have auto insurance, you will be responsible for the costs involved if you’re at fault in an accident.

Proof of Safety Inspection:

You’ll also need to provide proof of safety inspection if there’s a need to. In most states, drivers are required to inspect their cars annually to ensure that the car is in good health and is safe to drive.

All of these are important things you need to put in place before driving your car. Once you have all of these checked, then you are free to drive your car anytime and anywhere.


If my car is unused, am I still required to have insurance to keep it registered?

You don’t necessarily have to keep a car registered if it has been off the road for some time. This means that your car will not require auto insurance since it has been unused for quite some time. However, if you plan on driving it later on, ensure you register the car to avoid financial and legal consequences

What is the grace period for getting g insurance after registering a car?

The majority of the companies in the insurance industry allow an individual to register his/her vehicle within 30 days. This grace period will not exceed beyond a month, so it is advisable to do the needful. Moreover, most insurance companies will require you to have standard insurance before registering a car.

Can I register my car in a state different from where I got insurance?

Unfortunately, you will not be able to register a car in one state with auto insurance from another state. Your car has to be registered and insured in the same state.