You don’t HAVE to have car insurance if you don’t drive, but it’s still a good idea to have it. Here’s why: If you live in a state that requires auto insurance, then you’ll need it even if you don’t drive. That’s because the state requires all drivers to have a certain amount of liability coverage in case they cause an accident. If you don’t drive, you’re not at risk of causing an accident. But you are at risk of being sued if someone else causes an accident and claims that you’re responsible. That’s why it’s a good idea to have liability coverage even if you don’t drive.
Do you need car insurance if you don’t drive?
No, you don’t need car insurance if you don’t drive. However, if you live in a state that requires drivers to have car insurance, then you’ll need to get non-driver insurance. Non-driver insurance is a type of auto insurance for people who don’t own or operate a vehicle but are still required to have coverage under state law.
What are the consequences of not having car insurance?
There are a few consequences of not having car insurance, even if you don’t drive. If you live in a state that requires insurance, you may be fined for not carrying a policy. If you’re involved in an accident, whether you’re at fault or not, you’ll be responsible for any damages to the other vehicle or property. If the other driver is uninsured, you may be sued for damages. Not having car insurance can also lead to higher premiums when you do purchase a policy.
How much does car insurance cost?
If you don’t drive your car, you don’t need car insurance, right? Unfortunately, it’s not that simple. Even if you don’t drive your car, you still need to insure it. Here’s why:
If your car is parked on the street, it’s still at risk of being hit by another car or vandalized. If your car is parked in a garage or driveway, it’s still at risk of being damaged by severe weather or stolen. And if you finance your car, your lender will require you to have comprehensive and collision coverage.
So how much does car insurance cost if you don’t drive? It depends on a few factors, including the value of your car, where you live, and whether or not you have any other vehicles insured with the same company. But in general, expect to pay around $30 per month for basic liability coverage on a non-driving vehicle.
How to get car insurance
There are a few things to consider when determining whether or not you need car insurance if you don’t drive. The first is whether or not you own a car. If you don’t own a car, you’re not required to have car insurance in most states. However, if you do own a car, it’s important to have some form of insurance in case of an accident.
Another thing to consider is whether or not you live with someone who does drive. If you live with someone who drives, they may be covered under your home insurance policy. However, if they don’t have their own insurance, you may want to consider getting some form of coverage for yourself.
Finally, it’s important to think about what kind of coverage you need. If you don’t drive often, you may not need full coverage insurance. You can typically get by with liability insurance, which will cover damages if you’re at fault for an accident.
Conclusion
If you don’t drive, you’re not legally required to have car insurance. However, there are still plenty of reasons why you might want to consider getting insured, even if you don’t plan on driving. For one thing, if you live in a household with other drivers, their insurance will likely cover you in the event of an accident. Additionally, many homeowners’ and renters’ insurance policies cover damage caused by non-vehicular objects—meaning your insurance could potentially protect you from liability if your home is damaged by a car. Ultimately, whether or not to get car insurance is a personal decision; but if you’re on the fence, it’s worth considering the potential benefits.