You do actually need car insurance, as car insurance is legally required in all U.S. states, except for New Hampshire.
Car insurance or auto insurance is legally required, in every U.S. state, except for the state of New Hampshire.
Most states other than New Hampshire, require you to have liability auto insurance.
Although the minimum auto insurance coverage amounts and types, like bodily injury and property damage, also vary by each state.
And although New Hampshire does not legally require auto insurance or car insurance, New Hampshire does require drivers to be able to prove that they have sufficient funds or money to cover any potential accident costs instead of having to carry auto insurance or car insurance.
If you area leasing or buying car or other vehicle and you're still paying for it, then the lender will require you to have full coverage auto insurance on your vehicle, while you pay off the vehicle.
If you own the vehicle outright, then you don't require full coverage auto insurance, unless you want to have full coverage auto insurance.
When you register or renew your vehicles registration, you also are required to show proof of valid auto insurance for the state you're registering the vehicle in.
If you drive without auto insurance and get into a wreck, you can get into lots of trouble and can also be sued by the person that you ran into or caused damage to their property.
Then you would have to pay for all that out of pocket.
And if you get pulled over without valid auto insurance or valid car insurance, then your vehicle will be towed, until you get auto insurance and pay the towing and storage fees.
Also make sure you have your car insurance or auto insurance cards with you at all times and make sure they are not expired.
Driving without an auto insurance card or an expired auto insurance card, can get you a fine, which can vary from state to state, but in some cases, the fine for driving without an insurance card or expired insurance card is around $100.00 to $150.00 but it can also be higher.