# TIL There are 2 states that still do not require Auto Insurance **URL:** \ **Category:** General Discussion\ **Created:** [July 16, 2022, 2:32am UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273 "2022-07-16T02:32:10Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![TheWonderful90s](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/thewonderful90s/32/29584_2.png) [@TheWonderful90s](https://community.cartalk.com/u/TheWonderful90s)\ **Post date:** [July 17, 2022, 4:23am UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/21 "2022-07-17T04:23:56Z")
> [@db4690](#): > > But that doesn’t change the fact that Rick’s earlier statement seems very irresponsible and selfish I don’t consider myself selfish but I’m a bit like Rick in that I don’t want to pay outrageous $60+ per month for liability insurance for an additional vehicle that is driven less than 1000 miles per year. If they would let me pay $15 per month it would be okay. But the insurance industry makes zero effort to reduce my rate by letting me give them a small bond or letting me show them that I drive the vehicle very little. Am I being selfish by not wanting to let myself be ripped off by a government created monopoly? ---
**Author:** ![MikeInNH](https://avatars.discourse-cdn.com/v4/letter/m/a587f6/32.png) [@MikeInNH](https://community.cartalk.com/u/MikeInNH)\ **Post date:** [July 17, 2022, 1:23pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/22 "2022-07-17T13:23:26Z")
> [@Beancounter](#): > > I in view of the high rates charged by the insurance companies I actually considered registering my teenage son and his car with a No Insurance State but quickly realized that there ain’t no free lunch. Check your local laws. In many states YOU can be held financially responsible for your teenage sons actions. ---
**Author:** ![MikeInNH](https://avatars.discourse-cdn.com/v4/letter/m/a587f6/32.png) [@MikeInNH](https://community.cartalk.com/u/MikeInNH)\ **Post date:** [July 17, 2022, 1:27pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/23 "2022-07-17T13:27:10Z")
If you’re filthy rich, then you don’t need insurance. You self-insure. People like Bill Gates have ZERO insurance of any kind. Not even his multimillion dollar homes. ---
**Author:** ![Old-Days-Rick](https://avatars.discourse-cdn.com/v4/letter/o/7feea3/32.png) [@Old-Days-Rick](https://community.cartalk.com/u/Old-Days-Rick)\ **Post date:** [July 17, 2022, 4:09pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/24 "2022-07-17T16:09:30Z")
> [@MikeInNH](#): > > If you’re filthy rich, then you don’t need insurance. You self-insure. People like Bill Gates have ZERO insurance of any kind. Not even his multimillion dollar homes. I believe many states allow you to self-insure if you have X number of vehicles, I believe the lowest number I seen was 10, most required you to have 20 to 25 ---
**Author:** ![Mustangman](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/mustangman/32/44130_2.png) [@Mustangman](https://community.cartalk.com/u/Mustangman)\ **Post date:** [July 17, 2022, 7:24pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/25 "2022-07-17T19:24:56Z")
> [@TheWonderful90s](#): > > not wanting to let myself be ripped off by a government created monopoly The government did not create insurance companies, they regulate them. Each state has regs that constrain the companies. Insurance companies are not monopolies…A monopoly is a business that is the only source for that product. There are always several insurance companies to choose from. A trivia question… In what city, state and year was the first car insurance issued? By what company? ---
**Author:** ![bing](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/bing/32/4619_2.png) [@bing](https://community.cartalk.com/u/bing)\ **Post date:** [July 17, 2022, 7:52pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/26 "2022-07-17T19:52:31Z")
I always had to be sure to mention the good legislative work of aaa in the early century. I don’t know the answers but I suspect aaa. Was in there somewhere. ---
**Author:** ![Mustangman](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/mustangman/32/44130_2.png) [@Mustangman](https://community.cartalk.com/u/Mustangman)\ **Post date:** [July 17, 2022, 8:03pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/27 "2022-07-17T20:03:43Z")
Travelers Insurance was the first to insure a car. ---
**Author:** ![bing](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/bing/32/4619_2.png) [@bing](https://community.cartalk.com/u/bing)\ **Post date:** [July 17, 2022, 8:08pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/28 "2022-07-17T20:08:19Z")
Huh, they are the ones that didn’t want to pay when their insured backed into me in the drive in lane. ---
**Author:** ![VOLVO-V70](https://avatars.discourse-cdn.com/v4/letter/v/8e8cbc/32.png) [@VOLVO-V70](https://community.cartalk.com/u/VOLVO-V70)\ **Post date:** [July 17, 2022, 8:45pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/29 "2022-07-17T20:45:19Z")
> [@TheWonderful90s](#): > > Am I being selfish by not wanting to let myself be ripped off by a government created monopoly? Selfish and unreasonable . We get discounts on both of our vehicles for low yearly mileage so maybe you should check your insurance or change companies. Edit : We don’t pay by the month but if we did it would be 86.00 a month for full coverage on both vehicles . The liability for the 2018 Ford Fiesta is only 20.00 a month ---
**Author:** ![Old-Days-Rick](https://avatars.discourse-cdn.com/v4/letter/o/7feea3/32.png) [@Old-Days-Rick](https://community.cartalk.com/u/Old-Days-Rick)\ **Post date:** [July 17, 2022, 9:09pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/30 "2022-07-17T21:09:54Z")
> [@db4690](#): > > > [@Old-Days-Rick](#): > > > > Heck if I did have money, I may not carry insurance. Let them sue you! > > I don’t want to drive anywhere near you, Rick > > Your statement sounds very irresponsible and selfish I carry automobile insurance, It’s the law here in Indiana and I am a law-abiding fellow. There are a lot of people that do have the attitude that they don’t need insurance and “let them sue me” I refer to this as a typical alcoholic attitude. Every once in a while, I do like to see what it’s like to be a typical driver around here, I will take off from a red light just roaring the engine and change lanes abruptly with no signal and switch lanes again and slam on the brakes for the next red light. I just like to see what it feels like to drive like a nut. ---
**Author:** ![Renegade](https://avatars.discourse-cdn.com/v4/letter/r/b4bc9f/32.png) [@Renegade](https://community.cartalk.com/u/Renegade)\ **Post date:** [July 17, 2022, 9:26pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/31 "2022-07-17T21:26:40Z")
> [@Old-Days-Rick](#): > > Every once in a while, I do like to see what it’s like to be a typical driver around here, I will take off from a red light just roaring the engine and change lanes abruptly with no signal and switch lanes again and slam on the brakes for the next red light. I just like to see what it feels like to drive like a nut. Like db4690 said I don’t want to be on the same roads as you > [@Old-Days-Rick](#): > > I just like to see what it feels like to drive like a nut. Stay away from the squirrels. 😆 ---
**Author:** ![VOLVO-V70](https://avatars.discourse-cdn.com/v4/letter/v/8e8cbc/32.png) [@VOLVO-V70](https://community.cartalk.com/u/VOLVO-V70)\ **Post date:** [July 17, 2022, 9:31pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/32 "2022-07-17T21:31:21Z")
I seriously doubt that is normal driving that Rick refers to . Even if it is doing the same type of driving nonsense is foolish . ---
**Author:** ![George\_San\_Jose1](https://avatars.discourse-cdn.com/v4/letter/g/e5b9ba/32.png) [@George\_San\_Jose1](https://community.cartalk.com/u/George_San_Jose1)\ **Post date:** [July 17, 2022, 10:22pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/33 "2022-07-17T22:22:17Z")
> [@bing](#): > > court appointed lawyers also charge an hourly fee that the defendant may be required to pay. No free lunch I believe even here in Calif, defendant/prisoner held in jail and gets sick, needing a trip to a doctor/dentist/ hospital, they’ll very likely get a big invoice for that service. ---
**Author:** ![Mustangman](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/mustangman/32/44130_2.png) [@Mustangman](https://community.cartalk.com/u/Mustangman)\ **Post date:** [July 17, 2022, 11:05pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/34 "2022-07-17T23:05:37Z")
> [@Mustangman](#): > > In what city, state and year was the first car insurance issued? By what company Answer; Gilbert Loomis bought an insurance policy to cover any damage his car might do from Travelers in 1897. Loomis lived in Dayton, Ohio. ---
**Author:** ![George\_San\_Jose1](https://avatars.discourse-cdn.com/v4/letter/g/e5b9ba/32.png) [@George\_San\_Jose1](https://community.cartalk.com/u/George_San_Jose1)\ **Post date:** [July 17, 2022, 11:13pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/35 "2022-07-17T23:13:05Z")
I was going to say Omaha, b/c of the famous Mutual of Omaha insurance company. Speaking of which: Did you ever notice that Marlin Perkins would safely hide away while assistant Jim was wrestling with the big snake or that huge gopher-like critter? … lol … ---
**Author:** ![TheWonderful90s](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/thewonderful90s/32/29584_2.png) [@TheWonderful90s](https://community.cartalk.com/u/TheWonderful90s)\ **Post date:** [July 18, 2022, 1:15am UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/36 "2022-07-18T01:15:01Z")
> [@Mustangman](#): > > Insurance companies are not monopolies…A monopoly is a business that is the only source for that product. There are always several insurance companies to choose from. As a group they function like a monopoly. Maybe monopoly isn’t the best word, but we are legally required to buy their product. If it wasn’t for the government, we wouldn’t have to buy their product. If it wasn’t for government regulations, insurance companies could charge lower premiums. As far as I understand the amount of money needed to start an insurance company is quite high. I’m talking about a real insurance company, not a company that is underwritten by another. Somehow the insurance industry is operating as a group to keep competition out, since there should be more insurance companies out there. The regulations help the big companies keep their positions. I found this interesting article about the capitalization requirements for an Insurance company. [https://smallbusiness.chron.com/capitaltoasset-ratio-23797.html](https://smallbusiness.chron.com/capitaltoasset-ratio-23797.html) ---
**Author:** ![VOLVO-V70](https://avatars.discourse-cdn.com/v4/letter/v/8e8cbc/32.png) [@VOLVO-V70](https://community.cartalk.com/u/VOLVO-V70)\ **Post date:** [July 18, 2022, 1:21am UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/37 "2022-07-18T01:21:53Z")
> [@TheWonderful90s](#): > > As a group they function like a monopoly More of your nonsense . They are very competive and they all can’t operate in every state . The states set the coverage requirements. ---
**Author:** ![bing](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/bing/32/4619_2.png) [@bing](https://community.cartalk.com/u/bing)\ **Post date:** [July 18, 2022, 1:23am UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/38 "2022-07-18T01:23:53Z")
Had to know and study the insurance regulations for my license. The majority is written for the protection of the insured, not the company. Consumer protection. ---
**Author:** ![TheWonderful90s](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/thewonderful90s/32/29584_2.png) [@TheWonderful90s](https://community.cartalk.com/u/TheWonderful90s)\ **Post date:** [July 18, 2022, 1:44am UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/39 "2022-07-18T01:44:14Z")
> [@bing](#): > > Consumer protection. As in, I’m legally required to buy your product for my protection. ---
**Author:** ![VOLVO-V70](https://avatars.discourse-cdn.com/v4/letter/v/8e8cbc/32.png) [@VOLVO-V70](https://community.cartalk.com/u/VOLVO-V70)\ **Post date:** [July 18, 2022, 1:49am UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/40 "2022-07-18T01:49:13Z")
> [@TheWonderful90s](#): > > As in, I’m legally required to buy your product for my protection. Which is a really good thing since I have to share the public roads with people like you . [Previous page](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273.md?page=1) [Next page](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273.md?page=3)