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Who is required to have auto insurance?

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Who is required to have auto insurance?

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Forty-eight states and the District of Columbia require drivers to carry at least minimal auto liability insurance (coverage that pays for the other party’s injuries and damage in an accident that is your fault). New Hampshire requires that drivers either prove their ability to pay for a certain amount of damage or buy car insurance if they don't want to risk losing their license and registration. Florida requires drivers to carry Property Damage Liability of $10,000 and Personal Injury Protection (PIP) of $10,000, but no bodily injury liability. 

Since the states set their own minimums, the required amounts vary across the country. If you are leasing or financing your vehicle, the dealer and/or lender will most likely have additional insurance requirements to protect their property (your car).

Learn more about state-specific auto insurance requirements from your state’s insurance department and legal information website Nolo.com 

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