UPDATED: Jun 9, 2022
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Here’s what you need to know…
- Most states require every registered car to have auto insurance
- You need to have auto insurance if you’re parked on a public road, or you could get penalized
- You may get away with an uninsured car parked on your private driveway
It is normal to wonder whether you can get in trouble for street parking without insurance. After all, you’re not actually driving on the road, so your risk of injuring someone else with your vehicle is limited. However, most states require that you have insurance regardless.
This post discusses state auto insurance requirements and what might happen if you park an uninsured car on a public road or driveway.
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Is it okay to park on the road with no insurance?
It’s illegal to park an uninsured car on a public road in most states, but you may not get into any trouble for parking one in your private driveway. As we’re about to see, most states have auto insurance requirements that specify a minimum coverage for every driver.
What happens if you park an uninsured car on a public road?
You could get a ticket, or the authorities may tow your car if parked on a public road without insurance coverage. You’ll still pay a fine if your car gets towed, and you may have to prove that you have bought the minimum coverage before getting it back.
What are the penalties for owning a car without insurance?
Owning a car without insurance won’t get you into trouble if you don’t drive it. However, driving an uninsured car or parking it on the roadside can result in significant penalties, including a fine or suspension of your license and registration.
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Who is required to buy auto insurance?
You must buy a minimum auto insurance coverage in most states if you own a car. Only New Hampshire has no mandatory insurance law. Otherwise, some dealerships won’t even let you drive your car home without the minimum amount of liability insurance.
How about street parking without insurance? Although a properly parked car may not cause damage to any property, you must have appropriate coverage. The logic here is that an accident may still occur if you didn’t park the car properly or it got hit by another motorist. Also, you have to drive it to park on the street.
You will usually not get in trouble for an uninsured car parked in the driveway. Your driveway is considered private property. Still, it would be best if you were covered. You can also get auto insurance for parked vehicles if you have a car you don’t drive.
What are state auto insurance requirements?
A state auto insurance requirement is the minimum car insurance coverage that you’re required to have to be considered legally insured. This minimum coverage amount varies by state. It would help to check out your state insurance commissioner’s website for detailed information.
The most common types of protection are bodily injury liability, which has separate limits per person and accident, plus property damage liability per accident. However, some states will include additional personal injury protection auto insurance (PIP) requirements.
We can categorize each state insurance law as tort or no-fault depending on the minimum required coverage and whether the driver is held accountable.
Insurance Rules for Parking an Uninsured Car: The Bottom Line
All vehicle owners must have insurance to drive their car on the road, which usually extends to parking it on the road. However, a few exceptions exist, such as a car parked in a private lot or an uninsured car parked in the driveway. Among the penalties for uninsured cars are:
- A ticket
- Towing followed by a fine
- License and registration suspension
It is essential to have adequate insurance for your vehicle, including the one you park most of the time.
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