Does car insurance cover an unregistered vehicle? (2025 Insurance Facts)
A common inquiry is, does car insurance cover an unregistered vehicle? Car insurance may cover an unregistred car, with average monthly rates around $150. However, registration and insurance laws vary by state, and knowing these details is essential for effective insurance coverage for unregistered vehicles.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Feb 4, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Feb 4, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Monthly rates for car insurance hover around $150, but maybe you’re wondering, does car insurance cover an unregistered vehicle? Typically, yes, but coverage depends on various factors, including state regulations and the specifics of your policy.
Knowing your state’s registration and insurance laws is crucial, as they impact whether you can insure unregistered vehicles. For example, when wondering if you can insure a car that is not in your name, understanding these rules helps you make informed decisions about your coverage.
If you want to shop for insurance before purchasing a car, enter your ZIP code using the free online quote tool above.
- Car insurance usually covers unregistered vehicles, but coverage can vary
- State laws and policy details greatly affect your coverage options
- Monthly rates for car insurance are generally around $150
Insurance Will Cover an Unregistered Car
Yes, it will. Most states in America require proof of auto insurance before registering a vehicle. You can buy car insurance the day you purchase the car.
Some of the best insurance companies allow you to buy a policy over the phone, enabling you to drive off the dealer’s lot the same day you purchase the vehicle.
Insurance Covers Uninspected Cars
No, it won’t. If your vehicle needs an inspection, the car insurance company may not insure it right away.
For instance, a vehicle with a rebuilt title needs an inspection to ensure insurance risk. Auto insurance companies won’t insure a car with a higher risk of filing claims or mechanical breakdowns.
Inspections are also necessary if you live in a state that requires vehicle checks before getting or keeping a car insurance policy.
Insurance Will Cover Unregistered Cars That You Don’t Own
It depends on your policy. Standard auto insurance policies won’t allow you to insure a vehicle you don’t own. However, non-owner car insurance provides coverage for someone else’s vehicle.
You need to show insurable interest when insuring a vehicle. Non-owner insurance is usually more expensive but useful if you drive someone else’s car. Does car insurance cover road debris? Based on that keyword, knowing what your policy covers helps you handle unexpected damage. Always check specifics to stay fully protected.
Insurance Companies Do Not Allow You to Insure a Car That’s Not in Your Name
Auto insurance companies insist that your policy and registration must match. The car owner is typically the primary policyholder, and it would be their responsibility to get insurance on the car.
You could get non-owner auto insurance if you’re a high-risk driver. If possible, ask the vehicle owner to add you as a driver on their car insurance policy.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
States That Require Proof of Car Insurance Before Registration
Most areas in the United States want you to show proof of insurance when you go to get your vehicle registered. Here’s a table that shows a complete list of states that require insurance coverage before registration.
Proof of Car Insurance Requirements by State
| State | Proof of Car Insurance is Required |
|---|---|
| Alabama | Before Registration |
| Alaska | Before Registration |
| Arizona | Before Driving |
| Arkansas | Before Registration |
| California | Before Registration |
| Colorado | Before Registration |
| Connecticut | Before Registration |
| Delaware | Before Registration |
| Florida | Before Registration |
| Georgia | Before Registration |
| Hawaii | Before Registration |
| Idaho | Before Registration |
| Illinois | Before Registration |
| Indiana | Before Registration |
| Iowa | Before Registration |
| Kansas | Before Registration |
| Kentucky | Before Registration |
| Louisiana | Before Registration |
| Maine | Before Registration |
| Maryland | Before Registration |
| Massachusetts | Before Registration |
| Michigan | Before Registration |
| Minnesota | Before Registration |
| Mississippi | Before Driving |
| Missouri | Before Registration |
| Montana | Before Registration |
| Nebraska | Before Registration |
| Nevada | Before Registration |
| New Hampshire | Not Required |
| New Jersey | Before Registration |
| New Mexico | Before Registration |
| New York | Before Registration |
| North Carolina | Before Registration |
| North Dakota | Before Driving |
| Ohio | Before Registration |
| Oklahoma | Before Registration |
| Oregon | Before Registration |
| Pennsylvania | Before Registration |
| Rhode Island | Before Registration |
| South Carolina | Before Registration |
| South Dakota | Before Registration |
| Tennessee | Before Driving |
| Texas | Before Registration |
| Utah | Before Registration |
| Vermont | Before Registration |
| Virginia | Before Registration |
| Washington | Before Driving |
| Washington, D.C. | Before Registration |
| West Virginia | Before Registration |
| Wisconsin | Before Driving |
| Wyoming | Before Registration |
As you can see, the majority of states in America, including Washington, D.C., require insurance before registration is issued. And you’ll have an opportunity to get insured while you’re at the dealership.
Most of the time, you can’t leave the lot until you insure the vehicle you purchased.
Read more:
- Arkansas
- Hawaii
- Iowa
- Michigan
- Mississippi
- Oklahoma
- Oregon
- Texas
- Utah
- Virginia
- West Virginia
- Wisconsin
Expired Registration Affects Insurance
An expired registration is a non-driving violation. Therefore, you won’t lose your auto insurance coverage if you’re caught with expired tags.
The Consequences of Getting Into an Accident With an Expired Registration
The car insurance company will still cover you, depending on the nature of the accident. If you’re at fault in a car accident, your auto insurance company pays for damage and injuries if you have full coverage.
The other driver’s liability insurance policy covers your bodily injury and property damage costs when you’re not at fault in an accident. Your registration status doesn’t affect your insurance coverage.
Car Insurance Coverage for Unlicensed Drivers
Yes, they do. Insurance follows the vehicle but not the driver. If an unlicensed driver caused an accident, the insurance company still covers the not-at-fault driver.
And if an unlicensed at-fault driver is driving a car with full coverage, the insurance company covers injuries and property damage.
You Can File a Car Insurance Claim on an Unregistered Vehicle
Yes, you can. Since most states require that you get insurance first, your unregistered status shouldn’t affect your ability to file a claim. If you’ve just purchased an insurance policy and driven off the dealer’s lot, you’re still protected even if you get into an accident right after.
This means you can immediately file a claim. Now, you might be wondering, “Can I get car insurance without a license?” It’s important to read on, especially if this is a situation you’re facing because not having a license could affect how you navigate coverage and claims.
Homeowners Insurance Covers Damage to Your Unregistered Car
No, it doesn’t. You can only get coverage for your unregistered vehicle through comprehensive coverage.
On average, car insurance for unregistered vehicles costs around $150 per month, but coverage options depend heavily on state regulations.Jeff Root Licensed Insurance Agent
For example, if a fallen limb damages your car, your comprehensive insurance will pay for the expenses. But you’ll need to pay a deductible before you can collect your claim.
The Importance Of Shopping Around For Car Insurance Quotes
Before buying a vehicle, you should compare auto insurance quotes from multiple companies. The best insurance companies can provide quotes online, giving you more options as you shop for a car at a dealership or from private owners.
But your quotes are determined by various factors, such as driving record, age, where you live, and a vehicle’s make and model year.
If you’re not sure where to shop for car insurance, start with the top insurance companies in the United States.
Let’s look at a few estimates from America’s best auto insurance companies.
Average Monthly Full Coverage vs. Liability-Only Car Insurance Rates
| Companies | Monthly Full Coverage Car Insurance Rates | Monthly Liability-Only Car Insurance Rates |
|---|---|---|
| Allstate | $318 | $162 |
| American Family | $224 | $114 |
| Farmers | $288 | $147 |
| Geico | $179 | $91 |
| Liberty Mutual | $398 | $203 |
| Nationwide | $229 | $117 |
| Progressive | $283 | $144 |
| State Farm | $235 | $120 |
| Travelers | $287 | $147 |
| USAA | $161 | $82 |
| Average | $260 | $133 |
We included full and liability-only coverage to show you how car insurance varies based on coverage options and company. Geico and USAA have lower-than-average rates, but they could have different auto insurance rates for you.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
How to Handle Car Insurance for Unique Situations
When dealing with car insurance, there are several unique situations and scenarios you might encounter. This guide explores insurance options for unregistered vehicles, non-owner policies, and more, including how to manage insurance claims and coverage for specific circumstances.
Car Insurance Without Registration
If you’re considering car insurance for a vehicle that isn’t yet registered, you might be wondering how to secure coverage. Here’s what you need to know:
- Affordable Car Insurance in South Carolina: Even if your vehicle is unregistered, you can still find affordable car insurance options. South Carolina requires proof of insurance before registration, so you can shop around for the best rates before finalizing your registration.
- Car Insurance Without Registration: Some insurance providers, like Geico and Progressive, offer coverage for unregistered vehicles, allowing you to insure the car before you complete the registration process.
- Insurance Claim Without Registration: If you need to file an insurance claim for an unregistered vehicle, ensure you have a valid insurance policy. Most claims are still processed if insurance was obtained prior to the accident, even if the vehicle is unregistered.
Non-Owner Car Insurance Options
If you don’t own the vehicle you drive, you might need non-owner car insurance. Here are some key points to consider:
- Non-Owner Car Insurance in California: This type of policy provides coverage for drivers who frequently borrow or rent vehicles. It’s essential to understand the specific terms and conditions of non-owner insurance in California to ensure adequate protection.
- Non-Owner Car Insurance in Ohio: Similar to California, Ohio offers non-owner car insurance for those who don’t own a vehicle but need coverage while driving others’ cars.
- Non-Owner Insurance with Geico in NC: Geico provides non-owner insurance in North Carolina, allowing drivers to get coverage for vehicles they don’t own.
- Non-Owner Insurance with State Farm in NC: State Farm also offers non-owner insurance in North Carolina, catering to drivers who use vehicles owned by others.
- Progressive Non-Owner Auto Insurance: Progressive’s non-owner auto insurance provides coverage for those who need protection while driving borrowed or rented vehicles.
Insurance for Vehicles with Special Conditions
For vehicles that don’t fit the standard insurance criteria, such as those with rebuilt titles or expired insurance, you have specific options:
- Progressive Rebuilt Title Insurance: Progressive offers insurance for vehicles with rebuilt titles, which often require special considerations due to their history.
- State Farm Rebuilt Title Insurance: State Farm also provides coverage for vehicles with rebuilt titles, ensuring these cars can be insured despite their previous damage.
Third-Party Car Insurance Comparison
To find the best car insurance policy for your needs, especially in unique situations like non-owner coverage or vehicles with special conditions, consider comparing third-party insurance providers. Use online tools to compare quotes from different insurance companies. This will help you find the best rates and coverage options for your specific needs.
By understanding these various aspects of car insurance, you can better navigate the complexities of securing coverage for different scenarios. Whether you’re dealing with an unregistered vehicle, non-owner insurance, or special insurance needs, having the right information will help you make informed decisions.
Will Insurance Cover Unregistered Cars: The Bottom Line
Car insurance companies cover unregistered vehicles because the law requires drivers to have insurance before registration. If you’re asking, Do your car insurance and registration have to be under the same name? Knowing the rules is key to avoiding coverage issues. It’s essential to understand how these factors impact your coverage.
You can’t get your registration first in most areas of the nation, but you can shop for auto insurance coverage before leaving the car dealer’s lot. If you buy a vehicle on a regular business day, visit your local DMV to get the registration started.
Do you want to know which companies are best for your unregistered car? Use our free comparison tool below to compare quotes from multiple insurance companies in your area.
Frequently Asked Questions
What happens if you have insurance but no registration?
If you have car insurance but no registration, your insurance may not be valid for legal driving. Insurance typically requires a vehicle to be registered in order to provide coverage, and you might face penalties for driving an unregistered vehicle.
Can you insure an unregistered vehicle?
Yes, you can insure an unregistered vehicle. However, the coverage might vary based on state regulations, and you will need to register the vehicle to legally drive it on public roads.
Is insurance valid if a car is not registered?
Your insurance might still be valid even if your car isn’t registered, but it won’t protect you from penalties for driving an unregistered vehicle. Always check with your insurance provider for specific conditions. If you’re curious, Are electrical fires covered by car insurance? Reading up on this can help clarify coverage details in unusual situations.
Can I get car insurance without registration in California?
Yes, you can obtain car insurance without registration in California. However, the vehicle must be registered to drive it legally, and insurance companies may require proof of ownership or plans to register.
Can you get car insurance without registration?
Yes, you can get car insurance without registration, but you must register the vehicle to drive it legally. Insurance coverage applies only when the vehicle is registered and compliant with state laws.
Can I drive someone else’s car with my Geico insurance?
You can generally drive another person’s car while using your insurance, but it’s essential to check that your policy includes coverage for driving other vehicles. This is particularly relevant when considering the question of whether Geico covers windshield replacement because understanding your coverage can impact how you’re protected in various situations.
Can you have car insurance without registration?
Yes, it is possible to have car insurance without registration, but driving a vehicle without registration is illegal. Always ensure that your vehicle is registered to use the insurance effectively.
Can a car be insured but not registered?
Yes, a car can be insured but not registered. However, the insurance may not provide protection if you drive the vehicle without proper registration.
Can a car be registered without insurance?
You can usually register a car without insurance in many states, but some actually require proof of insurance to complete the registration. This brings up the question: Is a hydrolocked engine covered by car insurance? It’s a good idea to read about this, as understanding state requirements can really help if you’re looking to register your vehicle.
Can I buy a car without insurance?
Yes, you can buy a car without insurance, but you will need to obtain insurance before you can legally drive it.
Can I drive a car I just bought without plates in Michigan?
In Michigan, you can drive a car without plates for a limited time after purchase, but you must have proof of insurance and be in compliance with state laws.
Can I drive a car that is not registered in my name?
You can drive a car that’s not registered in your name, but it’s important to get the owner’s permission and ensure that the car is insured. This way, you can avoid any legal complications later on. Also, understanding what are ‘Acts of God’ and when are they covered can be helpful, as it gives you insight into how unexpected events might impact your insurance.
Can I drive a car without insurance if I just bought it?
No, driving a car without insurance, even if just purchased, is illegal. You must secure insurance before driving the vehicle.
Can I drive a newly purchased car without insurance?
No, you cannot legally drive a newly purchased car without insurance. Insurance is required for all vehicles on public roads.
Can I drive an unregistered car to get it registered?
Generally, it is illegal to drive an unregistered car to get it registered. Check with local laws, as some jurisdictions may allow this under specific conditions.
Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.
Can I get car insurance before registration?
Yes, you can obtain car insurance before registering the vehicle. However, registration will be necessary for legal driving.
Can I get insurance for an unregistered car?
Yes, you can get insurance for an unregistered car, but it is essential to register the vehicle before driving it.
Can I get insurance with an expired registration?
You can indeed obtain insurance even if your registration has expired; however, it’s important to be aware that driving the vehicle without renewing the registration could lead to legal problems. Understanding this is crucial, especially when considering questions like is a broken side mirror covered by car insurance, as it emphasizes the significance of having both your registration and insurance in order.
Can I get my car registered without insurance?
Yes, in some states, you can register a car without insurance, but some require proof of insurance for registration.
Can I get tags without insurance?
In many states, you may not be able to obtain tags without proof of insurance. Check local laws for specifics.
Can I insure a car I don’t own in Michigan?
Yes! In Michigan, it’s possible to insure a car that isn’t registered in your name, but it’s crucial to verify that your insurance policy includes coverage for driving that specific vehicle. This is particularly important when considering the pros and cons of renting your car to others, as understanding the implications of your coverage can help you make informed decisions about sharing your vehicle.
Can I own a car without insurance?
Yes, you can own a car without insurance, but you will need insurance to drive it legally.
Can someone drive my car and be covered by my insurance in Michigan?
Yes, if they have your permission and your insurance policy allows it, someone else can drive your car and be covered.
Can you buy a car without auto insurance?
You can indeed purchase a car without having auto insurance; however, it’s crucial to obtain insurance before hitting the road legally. This is important to consider because, in the event of an unexpected situation, such as if your car breaks down, will insurance cover a rental? Understanding your coverage options beforehand can save you from potential hassles later on.
Can you drive a car that is not registered to you?
Yes, you can drive a car not registered to you as long as you have permission from the owner and proper insurance.
Can you drive an unregistered car after purchase?
Driving an unregistered car after purchase is generally illegal. Check local laws for possible exceptions.
Can you have insurance on a car that’s not registered?
Yes, you can have insurance on a car that’s not registered, but it’s important to note that driving it without registration is illegal. This brings us to the question, What does car insurance cover? Understanding this is crucial because knowing your coverage can help you make informed decisions about your vehicle and ensure you’re protected when it’s time to register and hit the road.
Can you keep an unregistered car in your driveway in Rhode Island?
Yes, you can keep an unregistered car in your driveway in Rhode Island, but be aware of local regulations regarding unregistered vehicles.
Can you register a car before insurance?
In some states, you can register a car before obtaining insurance, but others may require proof of insurance at the time of registration.
Can you sell an unregistered car in California?
Yes, you can sell an unregistered car in California, but the buyer will need to register it immediately after purchase.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool to instantly compare quotes near you.
Can you sell an unregistered car in Texas?
Yes, you can sell an unregistered car in Texas, but the buyer is responsible for registering it.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.