How important is it to have car insurance?

I don't have insurance currently and I've never been pulled over. I also haven't been in accident. Is it really that important to have insurance?

Answer
“While you may consider yourself a good driver, you still need car insurance. With the notable exception of New Hampshire, every state requires minimum coverage car insurance to legally get behind the wheel.
Without insurance, you would be responsible for any damages or injuries you cause. You could also face:
  • A license suspension
  • Lawsuits
  • Fines for not having insurance
  • Even jail time
Since the purpose of car insurance is to protect other people from you, you are endangering other people’s lives by not carrying insurance.
If you’re concerned about the cost of insurance, carrying liability car insurance will likely cover your state’s minimum insurance requirements and save you money.
You can also comparison shop. With the Jerry app, you can sign up in minutes and compare rates from over 50 top insurance companies.”
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Emily Maracle
Answered on Aug 19, 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.
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