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Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Auto Insurance Answers

Do all states require car insurance?

No, all states do not require car insurance but they do require financial responsibility to operate a vehicle on the roadway. While not all states require drivers to buy Liability insurance to show financial responsibility, 49 states (plus the District of Columbia) do. New Hampshire is the only state that does not have compulsory auto insurance liability laws, as of June 2010.

All 50 states have different requirements when it comes to auto insurance and the minimum insurance requirements. Almost every state requires you to have Bodily Injury Liability insurance and every states has financial responsibility laws that require you be able to have sufficient assets to pay for any liability you cause in an incident.

In some states, drivers can't register a car without showing proof that they have Liability insurance, while other states only need proof of insurance when a driver has an accident or gets tickets. If you visit this free car insurance quote page and select your state, you can see the Minimum Requirements.

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Every state requires insurance or that you meet financial responsibility requirements through a bond or some other way which shows you are able to pay if you cause damages to another person or property in an automobile accident. Each state changes and/or renews their laws annually, so some states that had no insurance requirements in the past now do. New Hampshire probably has the least amount of requirements.

With this interactive car insurance map you can click on any state and learn what is required.

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Car Insurance Related Do states require drivers to buy liability insurance?
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Visitor Comments
I would like to know where to find info about which states do and do not require automobile insurance. That would be nice...
Comment added: 02:45 AM Mar-28
Texas doesnt require insurance if you can show responsability by depositing the amount that would be insured with the state or various other means. I think insureance shouldnt be required if you have enough money to pay any claims.
Comment added: 01:24 AM Feb-05
I think it should be mandatory for all states to require drives to carry insurance. I have recently been in an accident. The girl that hit me had no insurance, she was driving a friends car (the friend did not have insurance on the car) and she, technically, did not have her drivers license. She totalled my 2005 Chevy truck. It has been a very frustrating ordeal. If the congressmen would just realize how important something like this is, they would require all 50 states to carry insurance, not just 48. If Wisconsin and New Hampshire do not require insurance, the penalities for the person without the insuarnce should be much more harsh so that a lesson is learned. The license should be taken away for a few years and proper reimbursement should be given to the party that does have the insurance.
Comment added: 07:07 PM Aug-13
i wanted a list of states that do and states that dont
Comment added: 08:51 PM Feb-16
More importantly some people do not believe in insurance, to me it's the biggest scam that dumb Americans fall for. To answer the question, which states actually check on you to have insurance, Wisconsin does not check you for any, I lived there for 20 years and had been driving w/out it for 5 years. A drunk hit me about a year ago, but he replaced my bumper no questions asked.
Comment added: 11:06 AM Apr-23
What state(s) do/does not requre car insurance?
Comment added: 10:58 AM Mar-26
Question Details
This car insurance answer was last updated 12:50 AM Oct-12.
This Your State question was asked 08:15 AM December-4-2006.
Cliff requested this car insurance help from CarInsurance.com experts.
Rated 4.77 out of 10 based on 13 votes.
Your State Category
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