State laws differ however most all require that you have financial responsibility on a motor vehicle that you own. Many require that you have insurance on the vehicle to have it registered. So if you have a fully operational vehicle that is registered in your state it likely is state mandated that you have auto insurance or another type of financial responsibility on it.

If you have a fully operational vehicle but it is not being driven then in most states you can turn in your license plates and registration, park your vehicle off of public roadways or parking lots and then not need to insure it. If you do not turn in the tags but take insurance off of a vehicle then you will usually face penalties such as license and registration suspension. If you are found driving without insurance then even more penalties are usually assessed such as fines, impoundment of the vehicle, etc.

Most states require all operational motor vehicles to be registered and while a car is registered it is mandated to have auto insurance on it. If the car is inoperable there are some states in which you are able to get special status from the DMV to suspend registration on the vehicle for a certain amount of time and thus not need insurance during that time period.

To find out your specific state's laws regarding operational vehicles that are uninsured you should contact your state's Department of Motor Vehicles or like agency. If you own vehicles that need insurance on so that you are not ticket for being an uninsured motorist click here to get auto insurance quotes online.