Do you need insurance on a car that doesn’t run?

Are you wondering: "Do you need insurance on a car that doesn't run?" Most states will require you to have insurance if you want to drive and insure it in the future. You can save money by reducing coverage to the state minimum or switching to a usage-based policy.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 28, 2022

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Things to Remember

  • Most states require vehicles to remain insured whether they run or not
  • It might be a good idea to get usage-based auto insurance if you need to continue insuring a car that doesn’t run
  • For those without a car, non-owner auto insurance is a good option to keep you covered while driving other cars or shopping for a new car

If you have a vehicle that doesn’t run and you have full coverage auto insurance, you might wonder whether or not you should keep your insurance as is. It’s important to know whether or not you need insurance on a car that doesn’t run.

Nobody wants to overpay for auto insurance. This article will cover whether or not you should have car insurance for a car that doesn’t run, how to get auto insurance without a car, and more.

Continue scrolling to find out if you need insurance on a car that doesn’t run or enter your ZIP code above to get free quotes from the top auto insurance companies in your area.

Do you need insurance on a car that doesn’t run?

The short answer is yes, you most likely need auto insurance on a car that doesn’t run. That said, there are some shades of grey. In short, you will need auto insurance on any vehicle that you intend on driving and insuring in the future, even if it doesn’t run now.

This can be frustrating if you have an inoperable vehicle and have since bought another car to drive indefinitely. In many cases, you will be required to maintain an auto insurance policy on a car even if it is in storage.

If you have a car that doesn’t run and you’re considering your auto insurance options, you will have a few things to consider. Some of these factors include your desire to drive the vehicle in the future, the reason it’s inoperable, the state you live in, and whether or not you are driving another vehicle in the meantime.

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Do I need auto insurance if I don’t drive my car?

As mentioned previously, you will still likely need insurance on your vehicle whether it runs or not. This also means that you, as a potential driver, will need to maintain your auto insurance.

Realistically, it’s easier to just maintain your auto insurance policy considering the inconveniences of needing to reinstate an auto insurance policy last minute if something were to come up.

We get it, many people live in a city where driving is a bigger hassle than it’s worth. Even so, you would want to keep your insurance for yourself and to protect your vehicle. If you live in the city, it could be increasingly important to have comprehensive insurance on a car, even if it doesn’t run.

Between the narrow roads and excessive traffic, your car is likely exposed to many risks and could be damaged in the city streets. If your car doesn’t run but is still cosmetically appealing, you would want to keep it protected.

Do I have to register a car that doesn’t run?

You will be required to register a non-operable vehicle in most states. For example, the Florida Department of Highway Safety and Motor Vehicles requires all vehicles to be registered and insured. Unfortunately, this would also include vehicles that don’t run.

Some states, such as California, have specific forms you can complete to acknowledge that the vehicle is inoperable. This Certified of Non-operation can be found on the Department of Motor Vehicles website and may offer some financial benefits with your insurer.

Otherwise, it’s probably best to keep your vehicle registered regardless of its ability to drive, assuming you want to drive it again in the future.

What insurance should I have on a car that doesn’t run?

While you should most likely keep your car insured, that doesn’t mean that you need the same exact insurance on the car. In fact, you will most likely want to transition to your state’s minimum auto insurance requirements.

Minimum Auto Insurance Requirements by State
StateMinimum BI & PD Liability LimitsRequired Insurance Policies
Alabama25/50/25BI + PD Liability
Alaska50/100/25BI + PD Liability
Arizona15/30/10BI + PD Liability
Arkansas25/50/25BI + PD Liability, PIP
California15/30/5BI + PD Liability
Colorado25/50/15BI + PD Liability
Connecticut25/50/20BI + PD Liability, UM, UIM
Delaware25/50/10BI + PD Liability, PIP
District of Columbia25/50/10BI + PD Liability, UM
Florida10/20/10BI + PD Liability, PIP
Georgia25/50/25BI + PD Liability
Hawaii20/40/10BI + PD Liability, PIP
Idaho25/50/15BI + PD Liability
Illinois25/50/20BI + PD Liability, UM, UIM
Indiana25/50/25BI + PD Liability
Iowa20/40/15BI + PD Liability
Kansas25/50/25BI + PD Liability, PIP
Kentucky25/50/25BI + PD Liability, PIP, UM, UIM
Louisiana15/30/25BI + PD Liability
Maine50/100/25BI + PD Liability, UM, UIM, Medpay
Maryland30/60/15BI + PD Liability, PIP, UM, UIM
Massachusetts20/40/5BI + PD Liability, PIP
Michigan20/40/10BI + PD Liability, PIP
Minnesota30/60/10BI + PD Liability, PIP, UM, UIM
Mississippi25/50/25BI + PD Liability
Missouri25/50/25BI + PD Liability, UM
Montana25/50/20BI + PD Liability
Nebraska25/50/25BI + PD Liability, UM, UIM
Nevada25/50/20BI + PD Liability
New Hampshire25/50/25Financial Responsibility only
New Jersey15/30/5BI + PD Liability, PIP, UM, UIM
New Mexico25/50/10BI + PD Liability
New York25/50/10BI + PD Liability, PIP, UM, UIM
North Carolina30/60/25BI + PD Liability, UM, UIM
North Dakota25/50/25BI + PD Liability, PIP, UM, UIM
Ohio25/50/25BI + PD Liability
Oklahoma25/50/25BI + PD Liability
Oregon25/50/20BI + PD Liability, PIP, UM, UIM
Pennsylvania15/30/5BI + PD Liability, PIP
Rhode Island25/50/25BI + PD Liability
South Carolina25/50/25BI + PD Liability, UM, UIM
South Dakota25/50/25BI + PD Liability, UM, UIM
Tennessee25/50/15BI + PD Liability
Texas30/60/25BI + PD Liability, PIP
Utah25/65/15BI + PD Liability, PIP
Vermont25/50/10BI & PD Liab, UM, UIM
Virginia25/50/20BI + PD Liability, UM, UIM
Washington25/50/10BI + PD Liability
West Virginia25/50/25BI + PD Liability, UM, UIM
Wisconsin25/50/10BI + PD Liability, UM, Medpay
Wyoming25/50/20BI + PD Liability
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If your car doesn’t run, there’s a good chance that it isn’t worth very much in most cases. Assuming that’s the case, you can probably settle for a low-cost auto insurance policy with your state’s minimum coverage. As you can see above, these values vary drastically from state to state.

Otherwise, you could also consider a usage-based auto insurance policy. These policies aren’t always recommended, but if you have a car that can’t be driven, you’ll clearly have very low usage on that vehicle.

Some auto insurance companies will allow policyholders to purchase usage-based insurance on only one car whereas others may require policyholders to enroll all vehicles, so this is another factor to consider. Pay-per-mile auto insurance would likely be one of the most affordable options if you have a car that doesn’t run that you need to insure.

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Can I get auto insurance without a car?

If your car is no longer running and you don’t care if it ever drives on the road again, you won’t need to keep it insured. You will need to find a way to get rid of the vehicle so that it doesn’t rot in your driveway, but it’s up to you how you’ll dispose of it.

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If you no longer have a car but you’re in the shopping process or you’re looking to get your first car, you might need to know how to get auto insurance without a car. Thankfully, this is a straightforward process.

To get auto insurance without a car, you’ll need to ask your insurance company about non-owner auto insurance. These insurance policies also tend to use the state minimums for coverage, unless otherwise requested. This will allow you to stay covered if you drive vehicles owned by friends or at work.

If you’re considering this type of insurance, you’ll want to be sure to get quotes from multiple insurers to see which company offers the best rates.

Buying Insurance for a Car That Doesn’t Run: The Bottom Line

Do you need to buy insurance for a car that doesn’t run? In most cases, it’s required to keep all vehicles registered and insured if you intend on ever driving the vehicle again. There are some auto insurance options to help save in the meantime.

By now, you should have a better understanding of how to get insurance for a car that doesn’t run. Before you go, enter your ZIP code below to get free quotes from the cheapest auto insurance companies in your area.

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