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Car Insurance Question  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, a majority of them do.

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.

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.

Our article titled, How Much Car Insurance Should You Buy? shows a table with each state's minimum car insurance requirements.

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Visitor Comments
car insurance commentsWhat state(s) do/does not requre car insurance?
car insurance commentsMore 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.
Question Details
This car insurance question was asked on 12/4/2006
This auto insurance answer was last updated on 12/11/2006
Cliff requested this car insurance solution.
Rated 8 out of 10 based on 5 votes.
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