Which states do not have mandatory car insurance? New Hampshire and Virginia are the only two states that don’t require car insurance. In Virginia, drivers can pay the state a fee of $500 instead of buying car insurance, but that leaves them on the hook for damage they cause in an acc...
The state of Virginia changed its uninsured driver laws in 2024. Previously, drivers could pay a $500 fee at the time of registration and avoid carrying coverage. As of July 1, 2024, all Virginia drivers must have auto insurance and meet minimum liability coverage requirements. Failure to do...
These requirements vary by state, but they tend to include the following types of coverage: Liability insurance pays for injuries or damage to others’ property after an accident you cause, up to your policy’s limits. Every state, except Virginia and remote areas of Alaska, requires a ...
California Car Insurance News For the first time in more than five decades, California’s minimum liability limits have increased. Senate Bill 1107 was actually signed into law in 2022 but didn’t take effect until Jan. 1, 2025. The new liability insurance requirements are $30,000 for injurie...
Each state regulates its insurance laws and can require drivers to carry more coverage or different coverage types. In 2025, California, North Carolina, Utah and Virginia increasedminimum coverage requirementsto provide more coverage for all drivers. ...
Mercury Insurance L.A.-basedMercuryissues automobile and home insurance in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as automobile insurance in Florida. I Mercury has a somewhat high number of complaints and lower-than-average cus...
Exceptions to state minimum car insurance requirements There are a few states where car insurance is not mandatory. However, that doesn’t mean that drivers are completely off the hook for liability. The exceptions for New Hampshire and Virginia are detailed below. ...
Car insurance requirements in Virginia Virginia is an at-fault state, which means that the driver who causes an accident is responsible for paying the claims. Drivers in Virginia must have a minimum amount of bodily injury liability, property damage liability, and underinsured/uninsured motorist cove...
Virginia drivers can also opt-out of insurance by paying a $500 annual fee. This isn't usually recommended because it provides no coverage if you're in an accident. You can likely find a minimum coverage policy around that price range. State minimum car insurance requirements differ from ...
New Hampshire doesn't require car insurance.1 Virginia lets drivers opt out of buying car insurance by paying a $500 fee.2 However, both states have financial responsibility laws that mean you could be held liable for damages if you cause an accident. Without insurance, you will also be on...