Do You Need Insurance To Register a Car?

Do You Need Insurance To Register a Car?

Most of the time, the answer is yes, but there are exceptions. You need to have at least the minimum required coverage by your state to register your vehicle with your local DMV.

However, there are some states where you don’t have to provide proof of insurance to complete vehicle registration. Each state has different registration and insurance requirements, so it’s a smart idea to check them out before registering.

Do You Need Insurance To Register a Car?
Do You Need Insurance To Register a Car?

What States Do Not Require Insurance to Register a Car?

You don’t need insurance to register a vehicle in most states; however, there are some exceptions to this rule. You don’t need car insurance to register a vehicle if you live in these states:

  • Arizona
  • Mississippi
  • New Hampshire
  • North Dakota
  • Tennessee
  • Virginia
  • Washington
  • Wisconsin

Do You Need Insurance to Drive a Car?

Most states require drivers to carry liability insurance before they drive. Some states require other forms of insurance, such as uninsured/ underinsured motorist and personal injuries protection (PIP) and medical payments (MedPay), but not all states do.

You don’t currently need auto insurance to drive legally in New Hampshire and Virginia. Both states have financial responsibility laws. But they’re not the same. Some but not all drivers must file an SR-22 to prove they have insurance to meet their financial responsibility requirements.

You can fulfil the financial responsibility requirement in Virginia by:

Purchasing liability insurance. You must have bodily injury coverage for at least $25, 000 per person and $50, 000 per accident. You must also have at least $20,000 in personal injury protection (PIP) coverage per accident.

Buying a surety bond or obtaining a self-insurance permit from the DMV.

Paying an uninsured driver fee. The cost is $500. Paying for insurance will allow you to drive legally in Virginia, but it won’t cover expenses if you’re involved in an accident.

What Happens if You Drive Uninsured?

Depending on where your business is, it may be easier or harder to get started. Marijuana is illegal in some states but legal in others. If you don’t have car insurance in most states, then you could be fined, jailed, and even lose your driver’s license.

Penalties may range from 25 to 2,500 dollars and are typically higher for repeated offenders.

The suspension of your license and/ or registration. If your license or registrations get suspended, you may be required to pay to get them restored. And that’s on top of any other fines you may face.

How to Register a Car

If you buy a new car from the dealership, you might be able to get them to register it for you. If you buy a vehicle from someone else or move and need to get your vehicle registered in a new state, you’ll be required to register your vehicle there. The vehicle registration process differs depending on where you live, which means it’s important to check your state’s DMV before registering your car. But typically, here are some things you can expect.

Has your vehicle been inspected? If you buy a brand new car, you may not need to worry about this step. However, if you buy a used vehicle or need your car registered in a new state, then you’ll likely need to have it inspected.

Pass a driving test. You might be able to register a car without passing an emissions test, but you won’t be able to drive it on public roads until you pass one. If you buy an old car you might need to get a new one.

Get the required documentation ready. Requirements vary by state; however, you’ll typically need proof that you’re insured, your driver’s license (or learner’s permit), bill of sale, title and registration fee.

Make an appointment at your local DMV. Some states allow you to register online, but others require you to complete the registration process in person. You may be able to complete most of the paperwork online to save yourself some time at the DMV. Making an appointment in advance can prevent you from having to wait for too long.

When your vehicle is registered, they’ll send you your license plates and registration cards.

Related Insurance Stories:

9 Common Types of Car Insurance Coverage

1. Car insurance: Car insurance is a necessary expense, but it can be confusing. There are many different types of coverage available and you may not know which one is right for your situation. The following list will help you determine the best type of car insurance to purchase.

2. Comprehensive insurance: Comprehensive insurance covers damage to your vehicle caused by events such as vandalism, theft, fire, collision, etc. Comprehensive insurance also pays for repairs to your vehicle after these events occur.

3. Collision insurance: Collision insurance covers damages to your vehicle due to collisions with another object. This includes damage to your vehicle when you hit something while driving. It does not cover damages to your vehicle if you hit a tree or pole.

4. Liability insurance: Liability insurance protects you against injuries or death resulting from accidents involving your vehicle. Liability insurance is often referred to as “third party” insurance because it only covers situations where someone else was injured or killed. Your own personal injury protection (PIP) benefits do not apply to third party claims.

5. Personal Injury Protection:  (PIP) provides medical payments for injuries sustained in an accident regardless of who is at fault. PIP coverage usually applies to all drivers involved in an accident and is mandatory in every state.

6. Uninsured/Underinsured Motorist Insurance: Uninsured/Underinsured Motorist insurance protects you against bodily injury and property damage caused by motorists whose policies don’t meet minimum financial requirements. An uninsured motorist could be anyone other than the owner of the vehicle. Underinsured motorists are those who carry enough liability insurance to pay for their own injuries, but not enough to fully compensate victims.

7. Rental reimbursement insurance: Rental reimbursement insurance reimburses you for expenses incurred while renting a replacement vehicle. Rental reimbursement insurance is optional and is generally offered by rental agencies.

8. Roadside assistance insurance: Roadside assistance insurance helps you if your vehicle breaks down and you cannot get help until you reach a service station. Roadside assistance insurance is usually provided by the manufacturer of your vehicle.

9. Theft insurance:  Theft insurance helps protect your vehicle from being stolen. Theft insurance is optional and is usually purchased through your auto insurer.

Can You Register a Vehicle Without a Title?

You usually need a title to prove ownership when you register a vehicle. There may be exceptions. If you don’t have a title, you may be eligible for a special document that allows you to register your vehicle without one. Requirements vary by state, so check with your local If you don’t own the title for your vehicle, check with the DMV to see if you need to get it registered.

Do I Need a License to Register a Car?

You may not be able to register a vehicle if you don’t have a driver’s license, but you may still be able to register a car. Most states require multiple forms of identification when registering for elections. But remember, you’ll need a driver’s license to get behind the wheel.



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