Can I drive without car insurance to save money?

I can't afford car insurance, but I still need my car to drive around. Can I drive without it to save money?

Answer
“Needing car insurance and being unable to afford it is a terrible situation to be in. However, while you technically can drive your car without car insurance, it is illegal in almost every state.
Apart from New Hampshire, every state has a state minimum car insurance requirement. A state minimum is the coverage you must carry on your vehicle to legally operate it on the road. Typically this coverage is liability car insurance only but can vary depending on where you live.
Before removing your insurance, you should look at the coverage you currently have on your policy. If your policy covers you more than state minimum limits, you can look into reducing your coverage until you can afford the higher limits. It’s always better to have more coverage, as long as you can afford it.
You can also shop around. Comparing rates with companies is a great way to find a lower rate for insurance. Every insurance company is different and you may qualify for a lower rate elsewhere.
Although it may be tempting to cancel your insurance to save money, it’s never a good idea. If you get into an accident without insurance, the cost of damages is likely to exceed what you’d pay in insurance. You’d also likely face:
  • Fines
  • License suspension
  • Jail time
If you want cheap car insurance quotes fast, go to Jerry. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and even will help you cancel your old policy.
I hope your financial situation improves soon!”
avatar
Emily Maracle
Answered on Sep 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

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