How soon do I need to insure a new car?

I've been driving around my new Camaro and just remembered I still haven't gotten insurance. Am I in trouble? How soon do you need to insure a new car?

Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It is illegal to drive a car without any insurance, so you could definitely be in trouble if you have no coverage at all. However, if you’re adding your new car to an existing insurance plan or replacing the car on your current plan, most insurance companies will offer you a grace period of up to a month to make the switch after you buy the car.
The grace period varies depending on the insurance company, but most providers will give you at least a week to update the policy.
When you update, your insurer may ask for information like:
  • Current policy number
  • Effective date (date you are taking the car home)
  • Vehicle identification number (VIN)
  • Desired coverage
  • Dealership contact information
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