Can I Buy A Car Without Insurance?

Find out if you're getting ripped off on your car insurance in less than two minutes.
Find insurance savings (100% Free)
No long forms · No spam · No fees
Why you can trust Jerry
Jerry partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more baout how we make money, review our editorial standards, reference out data methodology, or view a list of our partners
While you can theoretically buy a car without insurance, most car dealerships won’t allow you to leave the lot until you have adequate insurance for your vehicle—especially if it’s financed.
Once you’ve signed the contracts, you might think you’re set to head on out and hit the road. But for financial and legal protection, you must have at least the minimum liability coverage required in your state.
Whether you’re buying privately or from a dealer, getting your insurance coverage in order before you finalize the sale is always a good idea. To help you with that, the car insurance comparison and broker app Jerry has put compiled tips to make sure that your car purchasing goes smoothly—so you can hit the road with no hitch.

Is it possible to buy a car without insurance?

Technically yes—however, to legally drive the car out of the dealership or parking lot, you need auto insurance that meets (but ideally exceeds) your state’s minimum amount of liability coverage. 
If you’re buying from a dealer, you probably won’t receive your keys until you have proof of insurance.
Key Takeaway You don’t need insurance to buy a car, but you need insurance to drive it legally.

Do I need a new policy?

If you already have an auto insurance policy, you may be able to quickly and easily add coverage for your new vehicle. Most companies will extend your coverage between 7 and 30 days to cover your new car. Check in with your insurance company to find out how you should move forward.
If you don’t have an existing car insurance policy, you will need to purchase a new one. Compare rates between at least 3 to 5 providers to find the best deal—or use a super app like Jerry to quickly find the best quotes, finalize a new policy, and be confident that you’re always getting the best price available to you.
Jerry was a great experience. It was my first time buying insurance, and they took their time explaining a lot of insurance terms for me. Shopping around for quotes was super easy!” —Dakota F.
RECOMMENDED
Thousands of customers saved on average $887/year on their car insurance with Jerry
This app is great, but the customer service is even better! Not to mention convenient! My husband and I got the lowest rate (much lower than the rates I was finding online through my own searches), quickly, and pretty much all through text message! Thank you so much for a hassle free experience👍
avatar
Gabriella R.
Find insurance savings (100% Free)
rating primary
4.7/5 Rating on App Store

Do I need proof of insurance when buying a used car?

Whether you need proof of insurance for a used car depends on who you’re buying from.
  • If you’re buying a used car from a dealer, you must provide proof of insurance before driving off with your new vehicle. 
  • If you are buying from a private seller, they won’t check on your insurance status before handing over the keys.
Even if it’s not required to buy a vehicle, having proof of insurance before driving it gives you financial and legal protection. Failing to secure the right coverage could leave you open to serious penalties and liability if you get caught.

Should I buy more insurance than the state minimum?

Yes! It’s always good to have a full-coverage insurance plan to ensure that all your bases of your newest purchase are covered. The minimum requirement only covers liabilities and, in some instances, uninsured drivers. 
Key Takeaway While minimum insurance covers damages for other drivers, you’ll need full coverage to pay for damage to your vehicle.

What kind of coverage do you need when you’re financing a car?

Most lenders require that you carry full-coverage insurance for the duration of your financing agreement. This usually includes the following: 
  • Collision coverage, which pays for damage to your vehicle that is the result of a collision with a vehicle or stationary object
  • Comprehensive insurance, which will help cover theft and damages to your vehicle. Trust us, you’ll be glad to have it.

How to find cheap car insurance

If you’re looking for a new car insurance policy, Jerry can help.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. It takes less than a minute to sign up and compare quotes from 50+ insurance companies. And once you pick a policy, Jerry handles the paperwork, phone calls, and even renewals—so you get all the savings with none of the hard work.
The average Jerry user saves $879 per year on their car insurance!
“Sometimes I get social anxiety, so chatting on the phone can be painful. With Jerry, I just used their app and everything went amazingly well. Super simple for my first time buying.” —Daisy V.
RECOMMENDED
Haven’t shopped for insurance in the last six months? There might be hundreds $$$ in savings waiting for you.
Judith switched to Progressive
icon savingsSaved $725 annually
Alexander switched to Travelers
icon savingsSaved $834 annually
Annie switched to Nationwide
icon savingsSaved $668 annually

FAQs

Technically no—you don’t need insurance to buy the car. To legally drive it out of the dealership or parking lot, though, you must present proof of insurance with the minimum legal liability coverage required in your state.
The best way to reach them is to call them directly or check their website. Most companies have an online server where you can fill in the information and get coverage right on the spot using a computer or mobile app.

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free