Insurance Car Insurance Car Insurance Basics What Do I Need to Register My Car? In all but two states, you must provide proof of insurance coverage By Emily Delbridge Emily Delbridge Twitter Emily Delbridge is an authority on car insurance and loans who contributed to The Balance for nine years. Delbridge is a licensed Personal Lines Insurance Agent who has been in the insurance business since 2005. Since joining the industry, she has significantly contributed to the book of business for independent agency, Great Michigan Insurance. learn about our editorial policies Updated on May 11, 2021 Reviewed by Julius Mansa Reviewed by Julius Mansa Julius Mansa is a CFO consultant, finance and accounting professor, investor, and U.S. Department of State Fulbright research awardee in the field of financial technology. He educates business students on topics in accounting and corporate finance. Outside of academia, Julius is a CFO consultant and financial business partner for companies that need strategic and senior-level advisory services that help grow their companies and become more profitable. learn about our financial review board Share Tweet Pin Email In This Article View All In This Article How Much Insurance Is Required? Should You Get Registered or Insured First? What Is a Car Title? Do You Need a Car Inspection? What Is the Registration Fee? What About License Plates? Frequently Asked Questions (FAQs) Photo: JGI/Jamie Grill / Getty Images If you want to drive your car on public roads, you have to register it with your state’s motor vehicle agency (MVA). In most cases, you must do this within a month of acquiring it. In order to do so, in most states, you will need proof of car insurance, the car’s title, and your driver’s license or other form of ID. You will also need to pay a fee and put a license plate on your car to show that it has been registered. The requirements may vary, depending on whether you are registering a car for the first time or renewing. You can look for the specific requirements of your state's MVA on its website. How Much Insurance Is Required? All states except for New Hampshire require you to carry some level of liability coverage on your car. In Virginia, you can opt out of this coverage by paying an annual $500 fee as a "registered uninsured." Note that all 50 states do set minimum coverage amounts for certain auto insurance coverages. 25/50/25 In many states, including Oklahoma and Rhode Island, you must have insurance that pays at least: $25,000 for injury to, or the death of, one person;$50,000 for injury to, or the death of, two or more people in a single accident; and$25,000 covering damage to, or destruction of, property. This level of insurance is sometimes called "25/50/25" for short. Other states have similar requirements. In Wyoming, you must get 25/50/20 coverage. The first two amounts are the same, but you only need $20,000 in property coverage. Some states require you to buy coverage that protects you in the event that an uninsured driver causes a crash involving you and your car. In South Carolina, for instance, you have to buy 25/50/25 coverage. This covers both your own liability and the uninsured driver's liability. New Hampshire and Virginia In New Hampshire, you must provide proof you have enough cash or other securities to pay 25/50/25-type liability coverage out of your own pocket. In Virginia, if you wish to drive your car at your own risk without liability insurance, you must pay a $500 fee for being uninsured. Should You Get Registered or Insured First? In some states, you can provide proof of insurance within a certain amount of time after registering your car. In California, you have 30 days after registering your car to provide proof of insurance to the state department of motor vehicles. If you fail to do so, your registration will be suspended. You will have to pay a $14 reinstatement fee, and you may not drive the car until the registration becomes effective again. Note that you still need to have the insurance from day one, even if your coverage cannot be suspended until Day 30. In other words, if you get pulled over on your first day, you can still get a ticket. What Is a Car Title? The title to your car certifies that you are its rightful owner and is issued by your state's MVA. The title includes your name and address, the vehicle identification number (VIN), and the car's mileage at the time you got it. It will also include the car’s year, make, and model. Note Whenever there's a change in ownership of the car, the seller has to sign over the title to the buyer. Do You Need a Car Inspection? Depending on the state you live in, you may need to have a car inspection for emissions, safety, or both before you can register or renew your vehicle. Some states have done away with such inspections. New Jersey, for example, no longer requires an annual safety inspection, but the state does require an emissions inspection every two years after an initial five-year inspection-free period for a new car. In Montana, neither type of routine inspection is required. Note In addition to a paper registration certificate that you must carry in your car at all times, some states, such as Wisconsin, require you to affix a registration sticker to your license plate. In certain states, law enforcement officers or employees of a state public safety department can require a motorist to submit their car for inspection if they have reason to believe that it is unsafe. Alaska and Colorado are two of the states that permit these roadside inspections in place of regular inspections. What Is the Registration Fee? The cost of the registration fee can vary widely from state to state. The car's weight, age, and even fuel efficiency may affect the amount you must pay. The fee must be paid at the time of the first registration and each year at renewal. What About License Plates? Getting license plates for your car goes hand in hand with getting it registered. Thirty-one states require two plates—one for the front and one for the rear of the car. On the other hand, 19 states require a plate only for the rear. Frequently Asked Questions (FAQs) What is the difference between my license and registration? Your driver's license is your ID and a certification that you can legally drive. The registration proves that you have registered your car with the state where you live and have paid all the associated fees and taxes to do so. Can I register my car online? Car registration rules vary by state. In some states, registration must be done in person. In others, it can be done online if the car was previously registered in the state, but cars from out of state must be registered in person. Many states will allow you to renew your vehicle registration online. Was this page helpful? Thanks for your feedback! Tell us why! Other Submit Sources The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy. CARFAX. "Car Registration: Everything You Need to Know." Ohio Bureau of Motor Vehicles. "Vehicle Registration." Oklahoma Insurance Department. "Auto Insurance FAQs." Rhode Island Insurance Division. "Consumers Guide to Auto Insurance," Page 5. Wyoming Insurance Department. "Auto Insurance FAQs." South Carolina Department of Insurance. "What Is Auto Insurance?" State of New Hampshire Insurance Department. "Your Guide to Understanding Auto Insurance in the Granite State," Page 1. Virginia Department of Motor Vehicles. "Insurance Requirements." State of California Department of Motor Vehicles. "Vehicle Registration Suspensions." Nationwide. "How to Transfer a Car Title." AAA. "Digest of Motor Laws: Emissions Inspection." AAA. "Digest of Motor Laws: Safety Inspection." Wisconsin Department of Transportation. "Display of License Plates and Validation Stickers." National Conference of State Legislatures. "Vehicle Registration Fees by State." LegalMatch. "License Plate Laws."