Is car insurance mandatory?
How the answer differs across 9 jurisdictions
GermanyFull article Yes, car insurance is mandatory in Germany for all vehicles regularly or ordinarily stationed in the country.
IrelandFull article Yes, third-party motor insurance is compulsory for all vehicles used on public roads in Ireland.
SingaporeFull article Yes, you can still claim compensation through the Motor Insurers' Bureau of Singapore (MIBS) if the at-fault driver is uninsured, as required by law.
European UnionFull article Yes, car insurance is mandatory in all EU countries for all vehicles used on public roads, covering at least third-party liability.
IndiaFull article Third-party insurance is mandatory for all motor vehicles in India under the Motor Vehicles Act, 1988. It covers liability for death, injury, or property damage caused to others.
Yes, it is compulsory to have at least third-party car insurance in the UK if you drive or keep a vehicle on a public road.
US-CaliforniaFull article In California, you must carry minimum auto insurance of $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000 for property damage.
US-New YorkFull article In New York, you must carry minimum liability insurance coverage of $25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage.
JapanFull article Driving without compulsory automobile liability insurance (Jibaiseki Hoken) in Japan is illegal and punishable by up to 1 year imprisonment or a fine of up to ¥500,000 — or both.
Read Full Articles
GermanyIs car insurance mandatory in Germany?
IrelandIs third-party motor insurance compulsory?
SingaporeMy car was hit by an uninsured driver. Can I still claim?
European UnionIs car insurance mandatory in all EU countries?
IndiaWhat is the third-party insurance requirement?
UKIs it compulsory to have car insurance in the UK?
US-CaliforniaWhat minimum auto insurance must I carry in California?
US-New YorkWhat minimum insurance coverage must I carry on my vehicle in New York?
JapanPenalty for driving without compulsory insurance?Not legal advice. This article is general information based on publicly available sources, written for educational purposes. Laws change and individual situations vary. Consult a licensed attorney in your jurisdiction before acting on anything you read here. Last reviewed: June 2026.