You cannot legally keep a car without insurance for any period if it is registered or driven in the United States. Most states require continuous auto insurance coverage, and driving without it can result in immediate penalties like fines, license suspension, or vehicle impoundment. Even if the car is parked and not in use, many states still mandate some form of insurance, such as comprehensive coverage, to protect against theft or damage. Allowing your insurance to lapse, even briefly, is risky and can lead to legal and financial consequences.
Auto insurance is regulated at the state level, and requirements vary. For example, liability insurance (which covers damages to others in an accident) is mandatory in nearly all states. If you plan to store a vehicle long-term, you might consider a storage policy (often called comprehensive-only insurance) that provides limited coverage but satisfies legal requirements at a lower cost. However, you typically cannot drive the car under this policy.
The risks of going uninsured are significant. Beyond legal penalties, you could be personally liable for costs in an accident. According to the Insurance Information Institute, all states except New Hampshire have compulsory insurance laws, and penalties for lapses can be severe. For instance, a first-time offense might lead to fines ranging from $100 to over $1,000, depending on the state.
| State | Minimum Insurance Requirement | Penalty for First Offense (No Insurance) | Grace Period for New Purchases |
|---|
| California | 15/30/5 liability coverage | $100-$200 fine, possible vehicle impound | None; insurance must be active at registration |
| Texas | 30/60/25 liability coverage | $175-$350 fine, license suspension | Up to 30 days for new vehicles, but not recommended |
| Florida | 10/20/10 PIP and PDL | $150-$500 fine, license plate suspension | None; must show proof at registration |
| New York | 25/50/10 liability coverage | $150-$1,500 fine, license revocation | Insurance required before driving |
| Ohio | 25/50/25 liability coverage | $100 fine, license suspension | No specific grace period |
In summary, there is no safe "how long" for keeping a car uninsured. Always maintain coverage to avoid complications. If you're storing a car, notify your insurer to adjust the policy appropriately.
