Can I Legally Drive Without Auto Insurance?

Published on May 05, 2016



Just about every state requires you to have auto liability insurance.

Trying to see how little you can get by with can be—quite frankly—stupid.

All states have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident and if you're operating a motor vehicle without that protection, it's almost as if you're driving a ticking time-bomb.

The insurance industry and consumer groups generally recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident since accidents may cost far more than the minimum limits mandated by most states.

If you've financed your car, your lender may require that you have comprehensive and collision insurance as part of the loan agreement.