Auto Insurance: Frequently asked questions

Which states require drivers to buy liability insurance?

Most states mandate that all drivers provide proof of financial responsibility at registration time or after an accident. Essentially, that's proof that you can pay for an accident. You can do this one of two ways: Post a bond for between $10,000 and $50,000, or buy auto-liability insurance. Most people choose the latter because they don't have thousands in cash lying around.

For your state's minimum liability insurance requirements, see Minimum levels of required auto insurance . New Hampshire, Florida, and Wisconsin are the only states that don't require drivers to provide proof of financial responsibility at any time.

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