Insurance company guidelines and terms can differ so you will need to check with your insurance provider to find out if your vehicle would be covered if your license plates or tags were expired.

In general though, your insurance contract is typically in effect regardless of license or tag status. Unless there is an exclusion in your policy then likely your car insurance would be in effect even if your registration is expired.

If you have let your plates expire, many states have grace periods so see if you can get them reinstated and up to date without a penalty by checking with your Department of Motor Vehicles.