Do You Need Insurance Before Registering Your Car?

Updated October, 2020
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In most states, you need insurance to register your car. Some states allow you to register your car without auto insurance as long as you're able to prove you've got coverage within 30 days. If you fail to do so, your registration is suspended, and you pay a reinstatement fee.

Can I register my car before getting auto insurance?

More often than not, you need to have your insurance policy in place before registering your car.

However, there are some states (such as California) that allow you to register your car before you have insurance. You're required to provide your proof of your insurance within 30 days after your car is titled. If you don't, then your registration is suspended.

Even if your state allows you to register first, having your coverage beforehand protects you from potential extra costs if you're in an accident.

How much coverage do I need to register my car?

In most states, a minimum liability coverage policy is required for you to register your vehicle. Liability coverage protects other drivers and pedestrians if you're in an at-fault accident.

On average, this coverage pays up to $30,000 in repair fees for property or vehicle damage, as well as medical bills.

What if my insurance lapses after I register my car?

If you're unable to pay your insurance premiums after you title your car, your auto insurance no longer covers your vehicle. Without insurance coverage, you cannot legally drive your car.

If you drive without your coverage, you're liable for a fine and your license is revoked because this action is a misdemeanor offense.

Allstate provides fast service to help you reinstate your insurance and find the perfect deals tailored to your budget. Contact Allstate to get an easy quote, today!

3 things to consider about getting insurance to register your car

  • Some states require different levels of coverage for you to register your car. Understand which policies you need before you purchase your auto insurance.
  • Even if your state allows you to register your car before it's insured, try to do it beforehand to protect yourself from unexpected costs.
  • Insurance rates vary, based on many different factors, such as your vehicle model, location, and price.

Get the best auto insurance rates, today!

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Call an insurance expert
Our team will help you find the lowest insurance prices.
866-996-3156