No, you generally cannot legally drive a car on public roads without tags (license plates) even if it is insured. Insurance and registration are two separate legal requirements. While you can often purchase an insurance policy for a vehicle that isn't yet registered, that coverage is primarily for comprehensive and collision (e.g., if the car is damaged while parked). The insurance is essentially invalid for driving on public roads until the vehicle is properly registered and displays valid tags.
The relationship between insurance and registration is a two-way street. In most states, you need proof of insurance to complete the registration process. Conversely, your insurance company expects the vehicle to be registered for the policy to be fully active for all coverages, especially liability insurance, which is mandatory for driving. Driving without tags is a clear signal to law enforcement that the vehicle is likely unregistered, which often leads to a traffic stop, fines, and impoundment. Your insurance company may even deny a claim if an accident occurs while you were driving an unregistered vehicle.
| Scenario | Can I Insure It? | Can I Legally Drive It? | Primary Purpose of Insurance |
|---|
| Newly Purchased Car (Drive-home period) | Yes, immediately | Yes, for a short grace period (e.g., 7-30 days) with bill of sale | To provide legal coverage during the registration process |
| Car in Long-Term Storage (e.g., in a garage) | Yes, as "storage insurance" | No | To protect against theft, fire, or damage while parked |
| Car with Expired Tags | Policy may still be active | No, it is illegal | Coverage may be void if driven; financial responsibility is in question |
| Project Car (No Tags, Not Running) | Yes, comprehensive-only policy | No | To protect the asset while it's being restored |
The key takeaway is to handle registration and insurance simultaneously. If you have a car without tags, contact your insurance agent to discuss the correct type of coverage for your specific situation, such as a storage policy, and proceed with getting it registered before driving.
