Vehicles registered or operated in Alabama are required to be covered by a liability insurance policy.

Alaska has both Mandatory Insurance and Financial Responsibility laws. The purpose of these laws is to ensure that drivers and owners of vehicles using the streets and highways are financially responsible for any damage or injury caused by motor vehicle collisions and to remove financially irresponsible drivers from the highways.

Arizona requires mandatory auto insurance .i.e. that every motor vehicle operated in Arizona be covered by one of the statutory forms of financial responsibility, more commonly called liability insurance, through a company that is authorized to do business in Arizona.

In Arkansas every automobile owner must have liability coverage. Liability coverage pays for any claims when you are at fault in an accident.

The purpose of the law is to ensure that vehicles driven on California roads have liability insurance that provides financial responsibility for any damage or injury caused by a traffic accident, regardless of fault, and to remove uninsured vehicles from the highways.

Going without insurance can cost you much more than carrying the liability coverage that is required by Colorado law.

In Connecticut each automobile insurance policy must provide “uninsured and underinsured motorist coverage” for the protection of people insured under the policy who are legally entitled to recover damages because of bodily injury.

In Delaware, all drivers are required to carry three types of auto insurance.

The Compulsory/No-Fault Motor Vehicle Insurance Act requires that every person applying for registration or a reciprocity sticker in DC, have valid District of Columbia car insurance.

Automobile insurance is mandatory in Florida. If you own a vehicle with at least four wheels and are registering it, you must have Florida insurance.

Georgia drivers must have automobile liability insurance for at least the minimum limits required by law to drive on the Georgia public roads and highways.

The type of auto insurance needed in Guam is called "Liability" and is required for everyone operating a car.

Having motor vehicle insurance is essential to owning a motor vehicle in Hawaii. Hawaii State law requires that your vehicle be insured throughout the motor vehicle registration period.

All motorized vehicles operated on Idaho roadways, whether registered or not, must carry liability insurance.

Liability Insurance is a minimum requirement in Illinois and a low cost car insurance option as long as the vehicle is not financed.

Indiana requires liability coverage, auto liability policy must also include uninsured and underinsured motorist’s coverage unless you reject this in writing.

Iowa requires that all of its licensed drivers carry a liability policy on their vehicle. Liability is there to ensure that in the event you are responsible for an accident the often exorbitant medical costs incurred by the other motorists involved in the accident and property damage costs are covered.

In Kansas, you are financially responsible for any motor vehicle accident you cause. To comply with state laws, owners of highway titled vehicles must purchase at least the minimum mandatory insurance coverages and limits.

Kentucky law requires the owner of a vehicle to carry at least $25,000 for bodily injury liability per person in an accident, $50,000 for all bodily injuries per accident, and $10,000 for property damage per accident.

Under Louisiana law, you must carry liability coverage on any car you own. The Louisiana auto insurance law known as 'No Pay, No Play' prohibits uninsured motorists from collecting the first $10,000 in property damages and the first $10,000 in personal injuries regardless of who causes the accident.

Maine law requires that you buy liability insurance, uninsured motorists, and medical payments coverage. To satisfy the financial responsibility law in Maine, you must buy a minimum of $50,000 for the injury to or death of any one person...

Maryland law requires that all motor vehicles registered in Maryland be insured by a company licensed in Maryland and carry coverage of $20,000 for bodily injury per person, $40,000 for bodily injury for two or more people, and $15,000 for property damage.

In order to register and drive your vehicle in Massachusetts, you are required to at least purchase the minimum state auto coverages and limits. Your auto insurance policy must list all licensed drivers living in your household who are related to you by blood, marriage, or adoption.

No-fault insurance is by law compulsory law in Michigan. All car owners must buy certain basic coverages in order to register a vehicle in Michigan. It is against the law to drive, or let your car be driven, without no-fault insurance.

Minnesota requires all licensed vehicles to have PIP, Liability, Uninsured, and Underinsured coverage.

Mississippi law requires that all drivers maintain liability insurance and in accordance with Mississippi auto insurance law your insurance information card must be carried in your vehicle at all times.

MO law requires all auto owners to carry liability insurance. Liability insurance covers your legal liability when injuries or property damage happen as a result of your actions.

Operating a motor vehicle upon the roadways of Montana WITHOUT a valid policy of liability insurance is a misdemeanor.

Proof of Financial Responsibility is required on all vehicles registered in the State of Nebraska and must be carried in the vehicle at all times.

In Nevada, legal and financial responsibility is based upon the law of negligence. A negligent act which causes damange is legally known as a tort.

New Hampshire law does not require you to have automobile insurance. However, if you have an “at fault” accident without having insurance coverage, you will be required to post a bond or cash equal to the amount of damage you caused in that accident.

Auto insurance is mandatory in New Jersey, but the type and cost of that coverage can vary considerably.

Make sure that when you drive an auto in New Mexico, you have proof of automobile liability insurance in your possession. Drivers who receive uninsured notifications, but have proper insurance coverage in force, should refer to the Insurance Verification page for instructions on how to provide proof of insurance documents to the program.

New York car insurance has minimum coverages and amounts of insurance that must be purchased to satisfy the financial responsibility requirements needed to register your car and obtain license plates.

The North Carolina Financial Responsibility Laws require that Automobile Liability coverage be maintained.

North Dakota state law requires that all motor vehicles registered and operated in the state carry certain minimum insurance coverages.

In Ohio, it is illegal to drive any motor vehicle without insurance or other proof of financial responsibility (FR). It is also illegal for any motor vehicle owner to allow anyone else to drive the owner's vehicle without FR proof.

Proof of financial responsibility is required to respond to damages for liability arising out of the ownership, maintenance or use of a vehicle of a type subject to registration under the laws of Oklahoma.

Oregon's mandatory insurance law requires every driver to insure their vehicle. This includes damage to vehicles and medical care for those injured in accidents.

Drivers must purchase and maintain car insurance in order to legally drive in Pennsylvania. Under Pennsylvania car insurance law, this is called maintaining “financial responsibility” on your vehicles.

The Puerto Rico Motor Vehicle Compulsory Liability Insurance (CLI) Law ("No-fault Insurance" in other states), requires that all motor vehicles transiting on the Puerto Rico public highways have a liability insurance coverage.

In Rhode Island, the tort system is used when settling losses caused by auto accidents. Under this system, you do not buy insurance that protects you directly. Rather, you buy “liability” insurance that protects other drivers to whom you become legally responsible for injury or other damage caused by an accident in which you are involved, should the accident be your fault.

Beginning in 1999, the requirement to carry liability insurance iwas eliminated; however, unless the South Carolina Department of Public Safety (DPS) allows you to pay the annual uninsured motorist fee, you will have to purchase insurance for your automobile.

South Dakota Law requires that any person who licenses and/or operates a motor vehicle must show proof of financial responsibility. Most people comply through the purchase of personal automobile insurance.

Drivers in Tennessee are not required by law to have liability insurance in order to register a vehicle or obtain a driver license. However, all drivers are subject to the state's Financial Responsibility Law.

Texas law requires people who drive in Texas to be able to pay for the accidents they cause. Most drivers do this by buying automobile liability insurance.

The law requires motorists to carry proof of Utah vehicle insurance and present it to any law enforcement officer upon request.

Vermont requires all licensed drivers (owners or operators) of motor vehicles to maintain evidence of financial responsibility, principally, automobile liability insurance; i.e., Mandatory Maintenance of Financial Responsibility.

Virginia has a financial responsibility law. The purpose of this law is to keep drivers off the highway if they cannot bear the cost of injuries or damage that they cause.

Compulsory Auto Liability Insurance has again become law in the Virgin Islands, which requires every registered vehicle to have auto liability coverage. The law, which was enacted pursuant to Act No. 6287 on August 17, 1999, went into effect on February 13, 2000.

The law requires anyone driving a motor vehicle in Washington state to have an insurance liability policy, a certificate of deposit, or a liability bond to the required limits. If you have 26 or more vehicles, you may self-insure.

Being a 'no fault' state, West Virginia car insurance pays no matter who is at fault in an accident. It is suggested that obtaining higher levels of liability and uninsured motor coverage is a consideration.

Wisconsin has a financial responsibility law. It is designed to make sure that any motorist licensed to drive in Wisconsin has insurance or enough money to pay for damages to others that may be caused by a motor vehicle.

Wyoming’s mandatory auto liability insurance law requires that anyone driving a motor vehicle must satisfy the state’s financial responsibility limits of 25/50/20.