Where do you go to drive any vehicle without a license, other than on private property?
These States Do Not Require Auto Insurance
This may not be the bargain it sounds like
Car Insurance is a major cost of car ownership, but it is considered so important that most states require coverage by law. However, not all 50 states require coverage, and many states offer alternatives to insurance company coverage.
Even in the states with no car insurance requirement, it's not good to forgo car insurance coverage, because those states don't allow car owners to escape the costs of an accident. You might not get fined for driving without insurance, but you will be held liable for the costs if you are found to have been at fault.
There are just two states that don't require car insurance:
New Hampshire and Virginia.
Car insurance is not mandatory in New Hampshire, but residents are still responsible for damages resulting from a car accident: up to $50,000 for liability and $25,000 for property damage. Drivers who are not able to pay for damages can expect to have their licenses and registrations suspended.
Virginia residents can skip getting car insurance if they pay the state $500 per year. However, that does not provide accident coverage of any kind. The driver who caused the accident is still liable.
Why is car insurance required?
The primary reason that car insurance is mandatory is to protect the victims in an accident. If you're at fault in an accident and you don't have insurance, you may not have the means to cover damages to property or people in the other vehicle. Liability coverage ensures that the other driver will have their damages covered.
What is the minimum required car insurance in most states?
Most states require liability coverage for bodily injury and property damage, which covers the other driver if you're at fault in a wreck. The exact amount of required liability coverage varies by state, and some states require additional coverage, such as uninsured motorists or personal injury protection.
What insurance is required for a financed car?
If you finance a car, your lender will probably require additional insurance above your state requirements. A lender wants to ensure its collateral—in this case, your car— is protected. At a minimum, most lenders will require you to carry comprehensive and collision coverage until your loan is paid off.
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