When to Buy Car Insurance

Knowing when to buy car insurance can be hard. Life events like getting married, the death of a spouse, or buying a new car are times when you may need to buy car insurance of your own.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • There are several times throughout your life that you may need to buy car insurance
  • One common event that may warrant buying insurance is when you purchase a car and you don’t already carry insurance
  • In these situations, you may even be required to have your car insurance in place before the sale can be completed so the dealership knows you’re driving legally

Buying car insurance is a necessity for many people, and it can occur at almost any time in your life.

If you’re a new driver that has just received your license or if you’re purchasing your first car, then this may be the time to buy a new auto insurance policy.

Additionally, other life events like getting married or the death of a spouse can cause you to need a car insurance policy of your own.

If you are in dire need of auto insurance, start comparison shopping today by entering your zip code above!

Buying Car Insurance Because You Have Purchased a Car

Buying a car, whether it is new or pre-owned, often requires proof of insurance coverage before you can drive off the lot.

If you have not purchased car insurance before this, then you may be required to get proof of coverage before you can complete the sale.

Car insurance is often required when you finance your car purchase as well, meaning your lender may not approve a loan until you have active coverage in place.

When you are buying car insurance for a car purchase, it’s important to speak to the provider about your purchase.

Providing accurate details about the vehicle as well as any applicable loan will ensure your insurance quote is accurate.

Your potential insurance provider can help you evaluate your insurance needs as well, making sure your coverage is adequate for your car.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Buying Car Insurance Because You Have Just Received Your Driver’s License

There are many drivers that first receive their license at the age of 16. However, other drivers may wait until a later time to get their driver’s license.

Regardless of your age, it’s important to purchase car insurance before you start driving around with that newly laminated license.

Depending on which state you reside in, there may be legislation in place by proof of insurance from your Department of Motor Vehicles.

In almost every state you will be required to carry at least minimum limits of coverage on your auto policy, and there can be numerous consequences for attempting to operate a vehicle without having active car insurance.

Buying Car Insurance Because a Life Event Has Occurred

A life event is any number of defining events that can occur over the course of your life.

When these types of events occur, it may be a catalyst that requires you to purchase your insurance coverage.

For instance, getting married is often considered a life event, just as getting a divorce or losing a spouse can be considered a life event.

Here are a few some possible scenarios:


In the case of marriage, if neither person has active auto insurance in place at the time, or if the policy either person has is inadequate, then purchasing car insurance may be a necessity.

Additionally, a married couple may have vastly different coverage needs compared to a single individual, and couples may find they qualify for discounted coverage as well.


Divorce is a reality for many individuals, and if you find yourself in this situation, you may find yourself needing to buy car insurance.

Depending on the previous arrangement with the co-owned vehicles and the auto insurance in place, you may not have an active policy once the divorce is completed.

 Death of A Loved One

In the unfortunate event that a spouse or partner passes away, there may be changes to your insurance needs as well.

Depending on how your car insurance was arranged before your loved one passed away, you may be able to maintain that active coverage.

There may be situations where insurance providers require you to purchase your insurance policy as opposed to maintaining the previous coverage.


There are many times throughout your life that you may need to buy car insurance.

If you are buying your first car, or if you’ve just become a licensed driver, then you may need to buy car insurance before you can start driving.

There are other life events that may require you to buy car insurance as well, such as when you get married, divorce, or lose a spouse.

When you are purchasing a car insurance policy, it’s important to shop around for coverage quotes from different providers.

Each insurance company may offer different options at different price points, meaning some quotes may fit your coverage needs better than others.

Speak to any potential providers about your coverage questions before deciding on your policy as well, so you can fully understand what you’re getting for your money.

Start comparison shopping for the best auto insurance rates today! Enter your zip code below!

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