What States Require Auto Insurance?

states require auto insurance

Did you purchase a new car or move to a new state? If so, it is important to ensure you meet your state’s car insurance requirements.

What auto insurance does your state require? 

The car insurance you are required to have varies on what state you are in. Most U.S. states require you to have liability coverage. Liability coverage can help pay for damage or injuries you cause in a car accident. Comprehensive and collision coverage are two other main forms of car insurance but usually are not state-required. Although leasing or financing offices may require one or the other.

States that do not require car insurance

New Hampshire and Virginia are the only states that do not require auto insurance. However, if you choose not to purchase car insurance in these states, you would still be held liable for any property damage or bodily injury caused by their vehicle.

Do you live in an at-fault or not-at-fault state?

Most states are considered at-fault states. This means that the driver who causes an accident is responsible for covering the other driver’s injuries and damages. No-fault states include Florida, Hawaii, Kansas, Kentucky, Michigan, Massachusetts, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. These states require drivers to have personal injury protection, which would cover their medical bills.

Why is having car insurance important?

Most states require some form of car insurance to ensure that the accident victim can get the financial help they need. Car insurance also benefits the person who caused an accident because they will only have to pay a portion of what it would cost out of pocket.

Make sure you are protected when the time comes. Contact one of our experienced Avery Hall agents by calling or texting 410-742-5111.

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