{"id":10009,"date":"2024-11-08T06:45:31","date_gmt":"2024-11-08T14:45:31","guid":{"rendered":"\/wp-site\/?p=10009"},"modified":"2025-03-05T09:23:21","modified_gmt":"2025-03-05T17:23:21","slug":"is-car-insurance-required","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/is-car-insurance-required\/","title":{"rendered":"Do You Have to Have Car Insurance?"},"content":{"rendered":"\n<p><a href=\"\/car-insurance\/\">Car insurance<\/a> is legally required nearly everywhere in the U.S. Most lenders also require full coverage car insurance, which includes comprehensive and collision coverages, if you finance or lease a vehicle. Driving without insurance can result in expensive fines, license suspension and thousands of dollars in out-of-pocket costs if you&#8217;re in an accident.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"legal-requirements\">Nearly every state requires car insurance coverage<\/h2>\n\n\n\n<p>Minimum<a href=\"\/car-insurance\/liability-car-insurance\/\"> liability coverage<\/a> is mandatory in all U.S. states except New Hampshire, although the state still requires proof of financial responsibility. Some states also require coverage beyond liability.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Required basic minimum liability coverage<\/h3>\n\n\n\n<p>Liability car insurance falls into two categories:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-insurance\/bodily-injury-liability\/\">Bodily injury liability (BI)<\/a>: If you\u2019re found at fault in a car accident that injures another person, BI helps cover their medical expenses up to your policy limits.<\/li>\n\n\n\n<li>Property damage liability (PD): If you\u2019re found at fault in an accident that damages another person&#8217;s vehicle or other property, PD will help cover their expenses up to your policy limits.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Each state requires a minimum amount of BI and PD. Insurance requirements vary by state, but many states require liability limits of at least 25\/50\/25 \u2014 that\u2019s $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Required additional coverages<\/h3>\n\n\n\n<p>Some state auto insurance mandates go beyond basic liability insurance and require drivers to purchase the following types of car insurance coverage:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured\/underinsured motorist coverage (UM\/UIM)<\/a>, underinsured &amp; uninsured motorist bodily injury (UMBI): If you\u2019re hit by an uninsured motorist or someone who has insufficient liability coverage, UM\/UIM\/UMBI coverage kicks in. Many states only require uninsured motorist coverage for bodily injury, but some also require property damage insurance (UMPD).&nbsp;<\/li>\n\n\n\n<li>Personal injury protection (PIP): No-fault states require drivers to carry PIP, which helps pay medical bills for you and your passengers after an accident. It covers funerals, rehabilitation expenses, and lost wages up to your policy limits.<\/li>\n\n\n\n<li>Medical payments coverage (MedPay): MedPay is similar to PIP, but less comprehensive, as it only covers medical bills. It\u2019s required for all drivers in Maine. New Hampshire also requires MedPay for drivers who purchase car insurance.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>Cost of minimum car insurance by state, 2024<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>State<\/strong><\/td><td><strong>Liability<\/strong><\/td><td><strong>UM\/UIM\/UMBI\/UMPD<\/strong><\/td><td><strong>PIP\/MedPay<\/strong><\/td><td><strong>Average &#8217;24 Cost for Minn. Coverage<\/strong><\/td><\/tr><tr><td>Alabama<\/td><td>25\/50\/25<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,147<\/td><\/tr><tr><td>Alaska<\/td><td>50\/100\/25<\/td><td>Not required<\/td><td>Not required<\/td><td>n\/a<\/td><\/tr><tr><td>Arizona<\/td><td>25\/50\/15<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,856<\/td><\/tr><tr><td>Arkansas<\/td><td>25\/50\/25<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,136<\/td><\/tr><tr><td>California<\/td><td>30\/60\/15<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,268<\/td><\/tr><tr><td>Colorado<\/td><td>25\/50\/15<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,534<\/td><\/tr><tr><td>Connecticut<\/td><td>25\/50\/25<\/td><td>25\/50 UMBI<\/td><td>Not required<\/td><td>$3,462<\/td><\/tr><tr><td>Delaware<\/td><td>25\/50\/10<\/td><td>Not required<\/td><td>15\/30 PIP<\/td><td>$2,832<\/td><\/tr><tr><td>Florida<\/td><td>$10,000 (Property damage only)<\/td><td>Not required<\/td><td>$10,000 PIP<\/td><td>$2,707<\/td><\/tr><tr><td>Georgia<\/td><td>25\/50\/25<\/td><td>Not required<\/td><td>Not required<\/td><td>$2,905<\/td><\/tr><tr><td>Hawaii<\/td><td>20\/40\/10<\/td><td>Not required<\/td><td>$10,000 PIP<\/td><td>n\/a<\/td><\/tr><tr><td>Idaho<\/td><td>25\/50\/15<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,044<\/td><\/tr><tr><td>Illinois<\/td><td>25\/50\/20<\/td><td>25\/50 UMBI<\/td><td>Not required<\/td><td>$1,565<\/td><\/tr><tr><td>Indiana<\/td><td>25\/50\/25<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,279<\/td><\/tr><tr><td>Iowa<\/td><td>20\/40\/15<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,097<\/td><\/tr><tr><td>Kansas<\/td><td>25\/50\/25<\/td><td>25\/50 UMBI<\/td><td>PIP (structured limits)***<\/td><td>$1,414<\/td><\/tr><tr><td>Kentucky<\/td><td>25\/50\/25<\/td><td>Not required<\/td><td>$10,000 PIP\u2020<\/td><td>$2,792<\/td><\/tr><tr><td>Louisiana<\/td><td>15\/30\/25<\/td><td>Not required<\/td><td>Not required<\/td><td>$2,574<\/td><\/tr><tr><td>Maine<\/td><td>50\/100\/25<\/td><td>50\/100 UMBI<\/td><td>$2,000 MedPay<\/td><td>$1,646<\/td><\/tr><tr><td>Maryland<\/td><td>30\/60\/15<\/td><td>30\/60 UMBI<br>$15,000 UMPD<\/td><td>$2,500 PIP\u2020<\/td><td>$3,265<\/td><\/tr><tr><td>Massachusetts<\/td><td>25\/40\/5<\/td><td>20\/40 UMBI<\/td><td>$8,000 PIP<\/td><td>$2,282<\/td><\/tr><tr><td>Michigan<\/td><td>50\/100\/10<\/td><td>Not<strong> <\/strong>required<\/td><td>$0\u2013unlimited PIP\u2020<\/td><td>$2,649<\/td><\/tr><tr><td>Minnesota<\/td><td>30\/60\/10<\/td><td>25\/50 UMBI\/UIMBI<\/td><td>$40,000 PIP<\/td><td>$1,959<\/td><\/tr><tr><td>Mississippi<\/td><td>25\/50\/25<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,068<\/td><\/tr><tr><td>Missouri<\/td><td>25\/50\/25<\/td><td>25\/50 UMBI<\/td><td>Not required<\/td><td>$1,969<\/td><\/tr><tr><td>Montana<\/td><td>25\/50\/20<\/td><td>Not required<\/td><td>Not required<\/td><td>$958<\/td><\/tr><tr><td>Nebraska<\/td><td>25\/50\/25<\/td><td>25\/50 UMBI<\/td><td>Not required<\/td><td>$1,652<\/td><\/tr><tr><td>Nevada<\/td><td>25\/50\/20<\/td><td>Not required<\/td><td>Not required<\/td><td>$2,666<\/td><\/tr><tr><td>New Hampshire*<\/td><td>25\/50\/25<\/td><td>25\/50 UMBI<br>$25,000 UMPD<\/td><td>$1,000 MedPay<\/td><td>$1,623<\/td><\/tr><tr><td>New Jersey<\/td><td>25\/50\/25<\/td><td>25\/50 UMBI<br>$25,000 UMPD<\/td><td>$15,000 PIP<\/td><td>$3,503<\/td><\/tr><tr><td>New Mexico<\/td><td>25\/50\/10<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,252<\/td><\/tr><tr><td>New York<\/td><td>25\/50\/10<\/td><td>25\/50 UMBI<\/td><td>$50,000 PIP<\/td><td>$5,748<\/td><\/tr><tr><td>North Carolina<\/td><td>30\/60\/25<\/td><td>30\/60 UMBI<br>$25,000 UMPD<\/td><td>Not required<\/td><td>$1,658<\/td><\/tr><tr><td>North Dakota<\/td><td>25\/50\/25<\/td><td>25\/50 UMBI<\/td><td>$30,000 PIP<\/td><td>$1,316<\/td><\/tr><tr><td>Ohio<\/td><td>25\/50\/25<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,399<\/td><\/tr><tr><td>Oklahoma<\/td><td>25\/50\/25<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,423<\/td><\/tr><tr><td>Oregon<\/td><td>25\/50\/20<\/td><td>25\/50 UMBI<\/td><td>$15,000 PIP<\/td><td>$2,301<\/td><\/tr><tr><td>Pennsylvania<\/td><td>15\/30\/5<\/td><td>Not required<\/td><td>$5,000 PIP**<\/td><td>$1,569<\/td><\/tr><tr><td>Rhode Island<\/td><td>25\/50\/25<\/td><td>Not required<\/td><td>Not required<\/td><td>$2,817<\/td><\/tr><tr><td>South Carolina<\/td><td>25\/50\/25<\/td><td>25\/50 UMBI<br>$25,000 UMPD<\/td><td>Not required<\/td><td>$2,939<\/td><\/tr><tr><td>South Dakota<\/td><td>25\/50\/25<\/td><td>25\/50 UMBI<\/td><td>Not required<\/td><td>$1,328<\/td><\/tr><tr><td>Tennessee<\/td><td>25\/50\/25<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,239<\/td><\/tr><tr><td>Texas<\/td><td>30\/60\/25<\/td><td>Not required<\/td><td>$2,500<\/td><td>$2,004<\/td><\/tr><tr><td>Utah<\/td><td>30\/65\/25<\/td><td>Not required<\/td><td>$3,000<\/td><td>$2,024<\/td><\/tr><tr><td>Vermont<\/td><td>25\/50\/10<\/td><td>50\/100 UMBI<br>$10,000 UMPD<\/td><td>Not required<\/td><td>$807<\/td><\/tr><tr><td>Virginia<\/td><td>50\/100\/25<\/td><td>30\/60 UMBI<\/td><td>Not required<\/td><td>$2,035<\/td><\/tr><tr><td>Washington<\/td><td>25\/50\/10<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,489<\/td><\/tr><tr><td>West Virginia<\/td><td>25\/50\/25<\/td><td>25\/50 UMBI<br>$25,000 UMPD<\/td><td>Not required<\/td><td>$1,530<\/td><\/tr><tr><td>Wisconsin<\/td><td>25\/50\/10<\/td><td>25\/50 UMPD<\/td><td>Not required<\/td><td>$1,355<\/td><\/tr><tr><td>Wyoming<\/td><td>25\/50\/20<\/td><td>Not required<\/td><td>Not required<\/td><td>$1,049<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-jerry-key-takeaway border-primary flex flex-col rounded bg-gray-50 p-6 border-l-4\"><div class=\"flex flex-col md:block md:space-x-1\"><span class=\"has-primary-color text-lg font-semibold\"><\/span><span class=\"text-gray-900 text-sm\">* <em>Required only for drivers who choose to use car insurance to prove financial responsibility\u00a0<\/em><br><em>** Referred to as first-party benefits in Pennsylvania\u00a0<\/em><br><em>*** Kansas custom PIP limits include:<\/em> <em>$4,500\/person for medical expenses<\/em>, <em>$4,500 for rehabilitation expenses, $900\/month for one year for disability\/loss of income<\/em>, <em>$25\/day for in-home service for one year, and $2,000 for funeral, burial, or cremation expenses<\/em>\u00a0<br>\u2020 PIP required for drivers who choose no-fault coverage in choice-fault states<\/span><\/div><div class=\"jerry-block-content\" contentclassname=\"text-gray-900 text-sm\">\n<p><\/p>\n<\/div><\/blockquote>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\/insured?service=insurance\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Is-state-minimum-coverage-enough\">Is state minimum insurance enough?<\/h2>\n\n\n\n<p>Carrying only the state-required minimum insurance could leave you financially vulnerable after a serious accident.<\/p>\n\n\n\n<p>Jerry\u2019s experts analyzed thousands of real customers\u2019 car insurance quotes to calculate how much it costs on average to increase liability limits. The more coverage you want, the more you should expect to pay.<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;biLimit&quot;:&quot;15\\\/30&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,715&quot;},{&quot;biLimit&quot;:&quot;25\\\/50&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,803&quot;},{&quot;biLimit&quot;:&quot;50\\\/100&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,987&quot;},{&quot;biLimit&quot;:&quot;100\\\/300&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,778&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Liability Limits  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Liability Limits  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.biLimit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.biLimit\">15\/30<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,715<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.biLimit\">25\/50<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,803<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.biLimit\">50\/100<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,987<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.biLimit\">100\/300<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,778<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 7, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"lease-requirements\">Insurance requirements for leased and financed vehicles<\/h2>\n\n\n\n<p>Most lenders require drivers to purchase <a href=\"\/car-insurance\/full-coverage-car-insurance\/\">full coverage insurance <\/a>when they buy or lease a new vehicle. Full coverage insurance includes basic liability insurance as well as comprehensive and collision coverages. Here&#8217;s what those insurances offer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-insurance\/comprehensive-insurance\/\">Comprehensive coverage<\/a>: Pays out if your vehicle is damaged under certain circumstances, like in a natural disaster, theft or vandalism incident.\u00a0<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/collision-insurance\/\">Collision coverage<\/a>: Pays out if your vehicle is damaged in a collision with a vehicle or object.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Full coverage costs vary depending on factors like your vehicle\u2019s make and model, your driving record, and sometimes even your credit score. With that in mind, here\u2019s how much our experts expect you to pay on average for full coverage from some of the top insurance companies:<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;carrier&quot;:&quot;Foremost&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$104&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$1,249&quot;},{&quot;carrier&quot;:&quot;Aspire Advantage&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$214&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,569&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/anchor-general\\\/\\&quot; title=\\&quot;Anchor General\\&quot;&gt;Anchor General&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$229&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,744&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/safeco\\\/\\&quot; title=\\&quot;Safeco\\&quot;&gt;Safeco&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$237&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,850&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/root\\\/\\&quot; title=\\&quot;ROOT\\&quot;&gt;ROOT&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$240&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,880&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/mercury\\\/\\&quot; title=\\&quot;Mercury\\&quot;&gt;Mercury&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$249&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,992&quot;},{&quot;carrier&quot;:&quot;Embark General&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$287&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,445&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/national-general\\\/\\&quot; title=\\&quot;National General\\&quot;&gt;National General&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$297&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,561&quot;},{&quot;carrier&quot;:&quot;Bluefire&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$297&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,563&quot;},{&quot;carrier&quot;:&quot;Gainsco&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$300&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,601&quot;},{&quot;carrier&quot;:&quot;First Acceptance&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$301&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,607&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/the-general\\\/\\&quot; title=\\&quot;The General\\&quot;&gt;The General&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$303&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,633&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/progressive\\\/\\&quot; title=\\&quot;Progressive\\&quot;&gt;Progressive&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$307&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,680&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/assurance-america\\\/\\&quot; title=\\&quot;Assurance America\\&quot;&gt;Assurance America&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$323&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,877&quot;},{&quot;carrier&quot;:&quot;Electric&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$336&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,031&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/aaa\\\/\\&quot; title=\\&quot;AAA\\&quot;&gt;AAA&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$338&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,050&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/geico\\\/\\&quot; title=\\&quot;Geico\\&quot;&gt;Geico&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$338&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,062&quot;},{&quot;carrier&quot;:&quot;Trexis&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$358&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,301&quot;},{&quot;carrier&quot;:&quot;Home State&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$368&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,410&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/kemper\\\/\\&quot; title=\\&quot;Kemper\\&quot;&gt;Kemper&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$370&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,437&quot;},{&quot;carrier&quot;:&quot;Clearcover&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$370&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,442&quot;},{&quot;carrier&quot;:&quot;Plymouth Rock&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$373&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,476&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/liberty-mutual\\\/\\&quot; title=\\&quot;Liberty Mutual\\&quot;&gt;Liberty Mutual&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$393&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,721&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/dairyland\\\/\\&quot; title=\\&quot;Dairyland\\&quot;&gt;Dairyland&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$398&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,777&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/bristol-west\\\/\\&quot; title=\\&quot;Bristol West\\&quot;&gt;Bristol West&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$415&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,975&quot;},{&quot;carrier&quot;:&quot;Mendota&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$474&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$5,690&quot;},{&quot;carrier&quot;:&quot;Infinity&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$513&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$6,160&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurance Company  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurance Company  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$104<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$1,249<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$214<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,569<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$229<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,744<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$237<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,850<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$240<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,880<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$249<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,992<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$287<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,445<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$297<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,561<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$297<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,563<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$300<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,601<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$301<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,607<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$303<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,633<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$307<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,680<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$323<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,877<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$336<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,031<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$338<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,050<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$338<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,062<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$358<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,301<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$368<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,410<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$370<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,437<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$370<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,442<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$373<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,476<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$393<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,721<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$398<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,777<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$415<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,975<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$474<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$5,690<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$513<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$6,160<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 7, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"driving-without-car-insurance\">Penalties for driving without insurance<\/h2>\n\n\n\n<p>While penalties for driving without car insurance vary by state, here\u2019s what you could expect if you can\u2019t provide <a href=\"\/car-insurance\/proof-of-insurance\/\">proof of insurance<\/a>:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to $5,000 in fines \u2014 even for a single offense.<\/li>\n\n\n\n<li>Driver\u2019s license suspension for up to three years.<\/li>\n\n\n\n<li>SR-22 requirement, typically for about three years.<\/li>\n\n\n\n<li>Registration suspension in some states.<\/li>\n\n\n\n<li>Up to 90 days in jail.<\/li>\n\n\n\n<li>Vehicle impoundment: Optional in some states but mandatory for repeat offenders in North Dakota.<\/li>\n<\/ul>\n\n\n\n<p>If you have violations or <a href=\"\/car-insurance\/insurance-lapse\/\">coverage lapses<\/a> on your driving record, you\u2019ll likely have to pay higher premiums once you get your license back.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\/insured?service=insurance\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs  wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Do I need car insurance to buy a new car?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>You don\u2019t technically need insurance to buy a new car, but you do need it to legally drive your new wheels home. If you have an existing insurance policy for another vehicle, most insurers will extend that coverage to your new car for up to 30 days or less. But if you don\u2019t already have car insurance, you\u2019ll need to have a policy in place before driving your new car.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        How can I learn more about car insurance laws by state?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>To learn more about your state\u2019s minimum requirements for insurance and minimum limits, contact your state\u2019s Department of Motor Vehicles (DMV).<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        What is the penalty for driving without insurance?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Driving without insurance can result in hefty fines, license suspension and even jail time. Repeat offenders may face additional penalties like SR-22 requirements, registration suspension and vehicle impoundment. Past violations can significantly increase future insurance premiums.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png 250w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Megan Lee            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News &amp; World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Everett-Cook.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Everett-Cook.png 250w, \/wp-content\/uploads\/2024\/11\/Everett-Cook-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Everett-Cook-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Everett-Cook-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Everett Cook            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Everett Cook is an award-winning journalist and editor with more than 10 years of experience across a variety of industries. In editing for Jerry, Everett&rsquo;s mission is to help readers have a better understanding of the costs of owning or leasing a car and to better understand their vehicle in terms of insurance and repairs. Prior to joining Jerry, Everett was an editor for Axios. His previous work has been featured in The New York Times, The Los Angeles Times, The San Francisco Chronicle, The Atlantic, Atlantic Re:think, The Boston Globe, USA Today, and others. He&rsquo;s also been a freelance writer and editor with experience in SEO, audience building, and long-term content roadmaps. Everett is a proud graduate of the University of Michigan.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Minimum liability car insurance coverage is required in almost every state. Auto lenders will usually require full coverage if you lease or finance a car.<\/p>\n","protected":false},"author":19,"featured_media":64632,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"main-author\"},{\"id\":\"115\",\"type\":\"editor\"},{\"id\":\"187\",\"type\":\"reviewer\"}]","jerry_author_ids":[366],"jerry_idx_page_label":"","jerry_meta_desc":"Minimum liability car insurance coverage is required in almost every state. Auto lenders will usually require full coverage if you lease or finance a car.","jerry_related_posts":"[43108,30444,32418,2328,28400]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"categories":[],"tags":[31],"class_list":["post-10009","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/10009","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=10009"}],"version-history":[{"count":15,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/10009\/revisions"}],"predecessor-version":[{"id":64631,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/10009\/revisions\/64631"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/64632"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=10009"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=10009"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=10009"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}