Are you required to have car insurance?

United States
May 26, 2010 1:29pm CST
Starting June 1st our state is finally requiring all drivers to have car insurance. You had to have it if you had a loan on your vehicle as per your financing agreement or the lender could force place insurance wich costs 100%+ more than getting your own.
2 people like this
15 responses
@coffeegurl (1467)
• United States
27 May 10
what state is that?
• United States
27 May 10
Wisconsin is finally requiring it. Even the city of Milwaukee is requiring proof of insurance before they even drive your own vehicle off their impound/tow lot.
• United States
27 May 10
I live in Florida-and had to keep up my insurance, even though it was broke down for 3 months. It doesn't matter if your car is on cinder blocks in this yeehaw state-you are still required to carry car insurance. Idaho doesn't require insurance if the car is undriveable.
@katsmeow1213 (28910)
• United States
26 May 10
Where do you live? We've been required to have insurance for as long as I can remember.. and I've been driving for well over 10 years! It's not cheap either! For us, if you're leasing or financing a vehicle you have to have 100% coverage, which costs a lot. But we own our vehicles outright, so we go with the state minimum coverage. We're paying about $100 a month for 2 vehicles.
• United States
27 May 10
We're in WI. They didn't require it unless you financed or leased your vehicle because that was part of the agreement. Otherwise no you didn't have to have it. I've always had insurance can't afford not to KWIM?
@dragon54u (31638)
• United States
26 May 10
I thought it was mandatory in all states! I remember a long time ago when it wasn't but I never went without it anyway. I knew I couldn't pay for someone's damages if it was my fault and I certainly couldn't afford hospital bills. If you choose to own a car, you should have to insure it. If you don't want the insurance you can always find alternate transportation.
• United States
27 May 10
Nope I guess it was only mandatory in 39 states until we got added to the group that requires them. I know I can't pay for it either so I've always driven wit insurance plus it's been a super long time since I've driven a vehicle that was paid off.
@GardenGerty (116448)
• United States
26 May 10
Every state I have lived in has required car insurance. Liability only if the car has no loans or liens. Comprehensive if you still owe on it, or you have used it as collateral for a loan.
• United States
27 May 10
Then I guess you haven't lived here yet my dear friend Gerty! We are so slow to do things when it comes to vehicles. But I think that's partly due to the strong influence of the Tavern League has around here.
• United States
26 May 10
Our state does not require that you have insurance; but if you choose not to have insurance you pay an exorbanant fee when you register your car and renew your tags. The problem is that often people lie about having insurance so they do not have to pay this fee. I guess they figure if they get caught then they will pay the fines but otherwise they just get away with it. I think that there should be some minimum standard of insurance even if it is through the state for those that can not afford regular insurance.
• United States
26 May 10
SO in a roundabout way they do require you to have insurance to register your car. But you are right if they don't require proof in front of them then it makes no difference. Honestly we have minimum and it's not that expensive, depends on the vehicle and your driving record of course. Now when I was young yeah $100 a month was huge! Now I pay like $30.
• United States
26 May 10
I thought this was laready the law. I know in Ny you have to have at least liability on your car just to drive it. I hope to get a car in Florida when I get to working. Insurance is so cheap out there.
• United States
26 May 10
It isn't mandatory here til June 1st. We are one of the few states that don't require it til now.
• India
2 Jun 10
It is good to have car insurance than waiting for a state policy, it is good to have policy which covers your vehicle and driver safety considered by which on any mishap if occurs the driver and vehicle is secured through policy
@maezee (39480)
• United States
30 May 10
Yes ma'am. As far as I know, in Minnesota (of the US) we are required to insure ANY car that we're driving. We can opt not to have insurance on a car..But then we better not get caught driving it!
• India
29 May 10
Its very important the state guidelines asks or not its better you have the insurance for your vehicle and yourself. There may be a situation where the person is a age where he requires the insurance or understands the requirement of insurance but he doesnt get one as he has crossed the age?
• United States
29 May 10
Yes we are required to have insurance here now they made this law to where if you are driving here without it they will tow your car.
• United States
27 May 10
i don't drive but i know our state has it now-because my brother had to get it. i think he just has collision coverage if he hit someone else tho.
@phyrre (2321)
• United States
27 May 10
I didn't know that wasn't the law everywhere. I know that, here, when you go to get the title to a car switched into your name you have to have proof of insurance already otherwise they won't even let you put the title in your name let alone give you plates or registration or anything for the vehicle. So without car insurance you can't own or drive a car, essentially.
@ElicBxn (61132)
• United States
27 May 10
oh, yeah, Texas has had that system for some time now
@cicisnana (775)
• United States
26 May 10
I have lived in Fl and KY all of my life and both of those states require at least liability insurance. I do believe insurance should be mandatory, but at the same time I believe insurance should be made where we can all afford it. Sometimes $100 a month car insurance means you either drive and don't eat, or eat and don't drive.
@rosie230 (1699)
26 May 10
Here in the UK where I am we all have to pay insurance for our cars by law... I cannot speak as to other countries, but here is it required by law, and if you do not have any, you will indeed get into trouble with the police/law and be prosecuted.