Car Insurance Laws
Car insurance laws vary by state, and it's important for drivers to maintain the state's minimum car insurance requirements in order to avoid fees, fines, and license suspension. Refer to our guide of car insurance laws by state to make sure you're driving with enough coverage, and use our free comparison tool below to compare car insurance rates in your state and make sure you aren't overpaying for coverage.
Compare Car Insurance Companies
Secured with SHA-256 Encryption
UPDATED: Sep 14, 2020
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Car insurance comparison shopping should be easy. We partner with top car insurance companies. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- Car insurance coverage is necessary for the financial protection of all drivers, pedestrians, and property owners and without mandatory car insurance laws everyone would be exposed to potential bankruptcy anytime they sat behind the wheel
- In addition to the liability exposure of driving with no car insurance, you can also be subject to fines, vehicle registration suspension, driver license suspension, and felony charges in some cases
- Car insurance laws will vary depending on where you live
America was built on the right to freedom but there are times when a government has to step in and introduce laws for the safety and protection of its citizens.
Car insurance laws are very much an example of this and States have created many laws to provide citizens with liability protection from damages resulting from a car accident.
For most people car insurance would be a natural thought but for many others purchasing auto insurance is more of an unnecessary expense and without car insurance laws we would surely see a large percentage of this country uninsured.
Car insurance coverage is necessary for the financial protection of all drivers, pedestrians, and property owners and without mandatory car insurance laws everyone would be exposed to potential bankruptcy anytime they sat behind the wheel.
Even in a free country we still have a greater good to enact laws for public protection.
Learn more about auto insurance below and make sure to check out our free insurance comparison tool above!
What’s the big deal about driving with no insurance?
If you never get in an accident there really is no difference whether you have car insurance or not, however, accidents are called accidents for a reason. They happen in moments when we least expect it.
Car accidents happen practically every minute of every day seven days a week, so the odds of being involved in an auto accident are pretty good at some point of any drivers lifetime.
Operating any motorized vehicle without care for others is both irresponsible and not in the best interest of society as a whole.
In addition to the liability exposure of driving with no car insurance, you can also be subject to fines, vehicle registration suspension, driver license suspension and felony charges in some cases.
Driving without car insurance is really one of the riskiest things you can do.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
What are the car insurance laws in America?
Car insurance laws will vary depending on where you live. Every state has its own set of car insurance laws detailing everything from what vehicles must have insurance coverage, minimum levels of coverage and fines/penalties for not complying with these laws.
A good place to start learning about car insurance laws is in our section for state minimum car insurance requirements or by visiting your local government website. Make sure you find the best rate for you by using our free insurance comparison tool below!
While car insurance laws do impose another financial burden on most Americans there is no argument the cost of not having these laws would create a much more expensive environment for all citizens. Choose your state to learn more about local car insurance laws below:
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota