Insurance Required to Register a Vehicle by State
Before you can register a vehicle, nearly every state requires proof of active insurance. Minimum liability limits, verification methods, and lapse penalties vary significantly. Florida requires no bodily injury liability at all; New York requires the most comprehensive coverage in the country. Select your state for exact requirements.
Featured States
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What Every Insurance Registration Page Covers
- Minimum liability limits (bodily injury per person, per accident, property damage)
- How the state verifies insurance at registration (electronic database vs card)
- Whether uninsured motorist coverage is required or optional
- PIP (no-fault) or MedPay requirements in your state
- Penalties for insurance lapse: fines, registration suspension, reinstatement fees
- Whether you can register a vehicle without active insurance in your state