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How do you buy a car without insurance?

I want to buy a car for my husband, but I don’t have the money to insure it. Can you buy a car without auto insurance?

Carlos Kirby · Updated on Nov 4, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

Unfortunately, in 48 of 50 US states, it is illegal to drive a car without

, even if you’re just going home from the dealership. It is not advisable to buy a car without auto insurance.

If you get into an accident, you will be fully responsible for paying any damages caused while driving without insurance. Damages incurred while driving without insurance can be extremely costly. Even if you are not at fault, non-insurance holder penalties––if you’re apprehended by law enforcement––could range anywhere from $25 to $5,000 on top of what you owe to the other driver.

In most states, it is also common to

suspend your driver’s license

for driving without insurance.

That said, a dealer might not force you to have car insurance at the time of your purchase, but it’s risky business even leaving the lot with an uninsured car. If finances are the reason you would consider driving uninsured, consider getting a

policy or otherwise opting for minimum coverage.

can help you compare dozens of competitive quotes to find the cheapest rates available to you. Sign-up only takes 45 seconds, and finding and comparing quotes is totally free.

MORE:

Can you get car insurance with a suspended license?

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