<P> Vehicle insurance , in the United States and elsewhere , is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages . Most states require a motor vehicle owner to carry some minimum level of liability insurance . States that do not require the vehicle owner to carry car insurance include Virginia , where an uninsured motor vehicle fee may be paid to the state ; New Hampshire , and Mississippi which offers vehicle owners the option to post cash bonds ( see below ) . The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when traveling to another . A motor vehicle owner typically pays insurers a monthly fee , often called an insurance premium . The insurance premium a motor vehicle owner pays is usually determined by a variety of factors including the type of covered vehicle , the age and gender of any covered drivers , their driving history , and the location where the vehicle is primarily driven and stored . Credit scores are also taken into consideration . Most insurance companies offer premium discounts based on these factors . </P>
<P> Vehicle insurance , in the United States and elsewhere , is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages . Most states require a motor vehicle owner to carry some minimum level of liability insurance . States that do not require the vehicle owner to carry car insurance include Virginia , where an uninsured motor vehicle fee may be paid to the state ; New Hampshire , and Mississippi which offers vehicle owners the option to post cash bonds ( see below ) . The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when traveling to another . A motor vehicle owner typically pays insurers a monthly fee , often called an insurance premium . The insurance premium a motor vehicle owner pays is usually determined by a variety of factors including the type of covered vehicle , the age and gender of any covered drivers , their driving history , and the location where the vehicle is primarily driven and stored . Credit scores are also taken into consideration . Most insurance companies offer premium discounts based on these factors . </P>
what us states do not require auto insurance
what us states do not require auto insurance
Virginia New Hampshire Mississippi
Virginia New Hampshire Mississippi