Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Nov 6, 2020

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Key takeaways...

  • All states require proof of a valid insurance policy or financial protection to have a registered vehicle
  • Even parked cars are not immune to the car insurance rules and regulations
  • Not having insurance on a parked car can result in a lapse in insurance coverage
  • If you have a parked car or a car you do not drive very much, you can get a state minimum auto insurance policy
  • You can start the process of finding the right car insurance for your parked car by utilizing the services of a car insurance comparison tool

If you have a car that is plated and registered, you still need a minimum amount of car insurance even if you do not drive it.

Having a plated and registered car without insurance creates a lapse in coverage, which can increase your future car insurance rates.

If you need car insurance for a car that is parked, you can use a comparison tool to quickly find an auto insurance policy you can afford.

Try our FREE online quote tool and compare at least three to four policies today! Enter your ZIP code above and find the best auto insurance rates for you!

Minimum Required Insurance


All states require a minimum amount of car insurance or proof of financial responsibility for all plated and registered cars.

This minimum amount of car insurance is typically referred to as a state minimum car insurance, and the amounts are different in each state.

In Wisconsin, for example, the state requires that all drivers carry $25,000 for injuries, including fatal, for a single occupant in the other car and $50,000 for all occupants of the other car. They must also carry $10,000 for the repair or replacement of damaged property.

The coverage limits are typically listed as three sets of numbers with the format 25/50/10. The numbers are in thousands and represent the maximum your insurance company will pay if you get into a car accident.

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Consequences of Not Carrying Car Insurance on a Parked Car

If your car is plated and registered, you are required to have a valid insurance policy, even if the vehicle is parked in your garage or a storage unit.

The only time car insurance is not mandatory is if you have turned in the plates and registration for the car to your local DMV. Otherwise, you could be in for some hefty consequences.

When you let your car insurance lapse or cancel it, your car insurance company must notify the DMV.

A lapse in your insurance coverage could result in the following:

  • suspension of your driver’s license
  • cancellation of your car’s plates
  • cancellation of your registration

If your car is parked on the street, it may even be towed if a police officer runs your plates and finds out they are invalid and that you do not have car insurance.

Lapses in Car Insurance Can Result in Being Classified as a High-Risk Driver


Any time you do not have car insurance on your car, you create a lapse in your coverage. Any car insurance company reviewing your information with the DMV can find that information, which could result in your being reclassified as a high-risk driver.

Being classified as a high-risk driver means that insurance company will be more wary of you when underwriting your auto insurance policy.

The classification tells insurance companies that you take risks when driving your vehicle. The result is higher future insurance premiums.

If you need a new car insurance policy in order to avoid a lapse on your vehicle, you can utilize the services of a car insurance comparison tool to view all the various insurance plans in your local area.

Many of these tools even allow you to purchase the policy directly online without having to go into an insurance agent’s office.

Finding a State Minimum Insurance Policy

If your parked car doesn’t have insurance or you need to switch to state minimum car insurance, you can find a new auto insurance policy with the help of a comprehensive car insurance comparison tool.

These tools allow you to input information that is unique to you and your family, including all the drivers you wish to insure under your new policy.

Once you’ve filled out all the applicable information as honestly as possible and submit it, the tool will return the results that match your criteria. In those results, you will see the car insurance company, the prices of the policy, and other details.

All you have to do is read through each policy, determine which one is best for you, and purchase it. You can even print all of the documents from your own home computer.

Looking to insure your car ASAP? Enter your ZIP code below and start comparison shopping today!


  1. https://www.autos.com/auto-insurance/what-is-an-auto-insurance-lapse
  2. https://oci.wi.gov/Documents/Consumers/PI-233.pdf
  3. http://blogs.findlaw.com/injured/2013/05/no-car-insurance-what-can-happen.html
  4. http://money.usnews.com/money/personal-finance/articles/2013/10/04/decoding-the-mysteries-of-high-risk-car-insurance
  5. http://money.usnews.com/money/personal-finance/articles/2013/09/18/do-you-have-the-right-car-insurance