The Role of Insurance in Getting Your Car Registered

For the most part, you'll need a current insurance policy in order to register a vehicle. To register your vehicle with the DMV, you must have at least the minimum level of auto insurance that your state mandates. However, even in states that don't mandatorily require auto insurance, you'll still need a car insurance policy with minimum coverage before you can drive in that state. Registration and insurance requirements differ from state to state, so it is important to research your state's laws. California is among the 42 states that require you to have a car insurance policy.

Depending on where you reside, the penalty will vary. For instance, driving without insurance is not a crime in New Hampshire. However, if a driver in Virginia wants to register a vehicle and operate it without insurance, they must pay a $500 registration fee. Driving without insurance is a misdemeanor in several places, and you risk the following penalties:

• Penalties can be as high as $2,500 for repeat violators
• The cancellation of your registration or license
• Arrests
• Vehicle seizures
• Submitting an SR-22 to demonstrate your insurance
• Volunteer work

Proof of insurance is a document that demonstrates you have an active, legitimate auto insurance policy that includes the minimum coverages needed by law in your state. In the event of an accident, this requirement helps drivers in covering property damage and personal injuries. It is used when you are stopped, involved in an accident, renting a car, or when you are otherwise asked to provide it. An ID card, either printed or digital, supplied by your insurer frequently serves as proof of insurance.

You'll be able to get a copy of your automobile insurance evidence from the majority of insurance providers as soon as you buy a policy. You can also call or log in online to get access to your auto insurance card and coverage information whenever you need it. You can also access it through a mobile app.

You must register your vehicle with the DMV if you purchase a new vehicle or move to a different state. You will still need insurance if you register your automobile without it. Visit the DMV in your state and present documentation, including the title, bill of sale, insurance details, and license.