# 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:** 5
**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 19, 2022, 10:19pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/81 "2022-07-19T22:19:31Z")
I don’t have a problem with insurance or the regulations. It is part of the price we pay to live together. There are a few long winded posters that I hardly ever read the whole thing, as well as some of the ardent posters of links. It’s pretty easy to tell the basic message and agree or discount it without a full reading. Anything more than a couple paragraphs is usually excessive. I will say though looking back at discussions from some years ago, there have been many good posters that have just left. Posters are quite capable of pointing out errors in their opinion, of anything said and let readers decide. And really there is no reason for a long winded point by point rebuttal of a long winded post. IMHO 🚙 ---
**Author:** ![GorehamJ](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/gorehamj/32/24103_2.png) [@GorehamJ](https://community.cartalk.com/u/GorehamJ)\ **Post date:** [July 20, 2022, 6:52am UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/82 "2022-07-20T06:52:10Z")
It feels to me like this member just likes to rile others up. Other than watching fir an opportunity to do a short term suspension we could try reminding all members that if they see something they feel is just BS they can always just ignore it or keep reporting it. Not much help I’m afraid. ---
**Author:** ![MikeInNH](https://avatars.discourse-cdn.com/v4/letter/m/a587f6/32.png) [@MikeInNH](https://community.cartalk.com/u/MikeInNH)\ **Post date:** [July 20, 2022, 12:33pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/83 "2022-07-20T12:33:35Z")
> [@TheWonderful90s](#): > > You can put comprehensive insurance on the vehicle not have to worry about your license being suspended. Before working in the telecom industry I worked as a software consultant in the insurance industry. There is NO state that I know of that will let you buy collision insurance or comprehensive insurance without buying Liability insurance. You buy liability insurance and add on collision and comprehensive insurance. > [@TheWonderful90s](#): > > But somehow not being required to have vehicle liability insurance at all is fine, at least in these two states. No insurance? Fine. That doesn’t mean we DON’T have insurance. The vast majority of car owners in NH do have insurance. I don’t know about Virginia. > [@TheWonderful90s](#): > > My insurance card doesn’t even say what type of insurance I have. > [@TheWonderful90s](#): > > After watching the video again I realize that it doesn’t address the issue of what kind of insurance is required to not have the plates suspended. My insurance card doesn’t even say what type of insurance I have. If you have insurance then you were sold the MINIMUM insurance required by law. Insurance companies don’t sell below the minimum state mandated standard. If you have insurance you are guaranteed to have liability insurance. No state requires collision insurance (but banks do). ---
**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 20, 2022, 1:09pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/84 "2022-07-20T13:09:34Z")
> [@GorehamJ](#): > > It feels to me like this member just likes to rile others up Bingo , we have a winner . 😲 ---
**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 20, 2022, 1:31pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/85 "2022-07-20T13:31:00Z")
> [@Old-Days-Rick](#): > > Michigan has the 4th highest insurance rates in the country I believe. That along with it being a “no fault” state. Being “no fault” is one of the REASONs Michigan has such high rates! No fault is always touted as a way to reduce rates and it has always increased them. Why? Not sure, won’t speculate. ---
**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 20, 2022, 1:37pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/86 "2022-07-20T13:37:27Z")
> [@MikeInNH](#): > > There is NO state that I know of that will let you buy collision insurance or comprehensive insurance without buying Liability insurance There is an exception to that… In many states, insurance companies can allow you to drop liability and collision coverage for collector cars or motorcycles, on demand (say, during winter), but retain comprehensive coverage to protect the investment from a tree falling on the building, or fire or theft. The vehicles remain registered but by state laws cannot be operated until the liability is reinstated. ---
**Author:** ![MikeInNH](https://avatars.discourse-cdn.com/v4/letter/m/a587f6/32.png) [@MikeInNH](https://community.cartalk.com/u/MikeInNH)\ **Post date:** [July 20, 2022, 2:04pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/87 "2022-07-20T14:04:21Z")
> [@Mustangman](#): > > In many states, insurance companies can allow you to drop liability and collision coverage for collector cars or motorcycles, on demand (say, during winter), Yes…I forgot about that. But the vehicle has to be in storage and can’t be on the road. ---
**Author:** ![cdaquila](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/cdaquila/32/18089_2.png) [@cdaquila](https://community.cartalk.com/u/cdaquila)\ **Post date:** [July 20, 2022, 7:59pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/88 "2022-07-20T19:59:07Z")
Yes, but did you read the second half of his comment? ---
**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 20, 2022, 10:53pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/89 "2022-07-20T22:53:41Z")
> [@MikeInNH](#): > > There is NO state that I know of that will let you buy collision insurance or comprehensive insurance without buying Liability insurance. Should MikeInNH be suspended from the discussion forum for being wrong? People put comp on stored vehicles all the time. I don’t know what caused me to be attacked so hard in this thread. Unless some like Volvov70 are upset about my Car Myths thread and are attacking me here so that that thread doesn’t get promoted. ---
**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 20, 2022, 11:04pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/90 "2022-07-20T23:04:45Z")
> [@TheWonderful90s](#): > > I don’t know what caused me to be attacked so hard It’s just the way internet forums work is all. Attacks/complaints very common, and just as easily ignored. I asked one of my Silicon Valley computer-expert friends to create a sort of script that blocks posts from certain posters so I couldn’t see them. Worked for a while but something in the forum software changed and now I see their posts. Like I say, easily ignored. ---
**Author:** ![jtsanders](https://avatars.discourse-cdn.com/v4/letter/j/c2a13f/32.png) [@jtsanders](https://community.cartalk.com/u/jtsanders)\ **Post date:** [July 20, 2022, 11:13pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/91 "2022-07-20T23:13:50Z")
You can do that in the forum. Click on the name of the person you want to deal with. A small box will come up, then click on their name again. This opens their page. In the upper right hand corner below the red message button is another button that probably says “normal”. Click on that button and change it to “mute” or “ignore”, depending on how little you want to see from them. ---
**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 20, 2022, 11:24pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/92 "2022-07-20T23:24:19Z")
Great info. I just did a block for 2 weeks, see how that works. I have to say I don’t think I’d ever have figured out how to do it w/out your instructions … obvious it is not. I just remembered the type of script I used before, Perl-script. ---
**Author:** ![jtsanders](https://avatars.discourse-cdn.com/v4/letter/j/c2a13f/32.png) [@jtsanders](https://community.cartalk.com/u/jtsanders)\ **Post date:** [July 20, 2022, 11:35pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/93 "2022-07-20T23:35:21Z")
Thanks. I figured it out in a minute or two after seeing your post. I remembered that it was possible and decided to noodle around to find out how. ---
**Author:** ![MikeInNH](https://avatars.discourse-cdn.com/v4/letter/m/a587f6/32.png) [@MikeInNH](https://community.cartalk.com/u/MikeInNH)\ **Post date:** [July 21, 2022, 1:13pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/94 "2022-07-21T13:13:26Z")
> [@TheWonderful90s](#): > > Should MikeInNH be suspended from the discussion forum for being wrong? People put comp on stored vehicles all the time Let’s face it twit…you were NOT talking about stored vehicles. And I corrected my statement. Something you’ve NEVER done. ---
**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 21, 2022, 2:25pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/95 "2022-07-21T14:25:49Z")
I certainly was talking about stored vehicles. Stored or not makes no difference. How in the world do you think the DMV is going to know if your vehicle is stored or not twit? ---
**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 21, 2022, 3:08pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/96 "2022-07-21T15:08:30Z")
This reminded me, there was 1 time I actually put a vehicle into storage keeping comprehensive insurance on it. It only lasted a month because my other vehicles all brokr down. ---
**Author:** ![Managing-Editor-Julie](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/managing-editor-julie/32/26448_2.png) [@Managing-Editor-Julie](https://community.cartalk.com/u/Managing-Editor-Julie)\ **Post date:** [July 21, 2022, 4:16pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/97 "2022-07-21T16:16:16Z")
Carolyn and John G are on this issue. Thanks! ---
**Author:** ![tcmichnorth](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/tcmichnorth/32/25126_2.png) [@tcmichnorth](https://community.cartalk.com/u/tcmichnorth)\ **Post date:** [July 21, 2022, 6:33pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/98 "2022-07-21T18:33:17Z")
TWIT: This week in tech, That’s what I thought Temecula Whodunit Interactive Theatre Totally without intelligent thought ---
**Author:** ![MikeInNH](https://avatars.discourse-cdn.com/v4/letter/m/a587f6/32.png) [@MikeInNH](https://community.cartalk.com/u/MikeInNH)\ **Post date:** [July 21, 2022, 8:01pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/99 "2022-07-21T20:01:55Z")
> [@TheWonderful90s](#): > > How in the world do you think the DMV is going to know if your vehicle is stored or not twit? Gee…If you’re driving around then the DMV would know it isn’t stored. Was that so hard to figure out? You don’t even to have a vehicle registered if it’s in storage. ---
**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 21, 2022, 8:46pm UTC](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273/100 "2022-07-21T20:46:39Z")
You clearly don’t know about Illinois or you just took parts of what I wrote out of context and went with that so you could be right and I could be wrong, since me being wrong is more important than contributing to a discussion. You do have to have plates on a vehicle that is in storage on private property in at least some places in Illinois. I’ll say it again, Illinois has recently started going through vehicle registrations and suspending registrations which don’t have an insurance policy associated with them. Ill will mail you something telling you that the registration has been suspended with a fine that must be paid to remove the suspension. [Previous page](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273.md?page=4) [Next page](https://community.cartalk.com/t/til-there-are-2-states-that-still-do-not-require-auto-insurance/185273.md?page=6)