Do You Need Insurance For Cars in Storage in Pennsylvania?

Question

Accepted Answer

In Pennsylvania, currently registered vehicles must have some sort of insurance (financial responsibility). Even if the car is in storage and does not drive on public roads, it needs to be insured if it is currently registered. However, if the car will remain in storage for an extended period of time and will not be driven on public roads, you can surrender the registration to the DMV. In this case, you are not legally required to have insurance for that vehicle. It’s recommended that registration plates are surrendered to PennDOT any time insurance is not in effect.

You May Still Need Insurance Protection Even If It Is Not Legally Required

Although you technically don’t legally need insurance for a car in storage in Pennsylvania if it does not have an active registration, that doesn’t necessarily mean that you don’t need insurance for it. After all, even a car that is in storage and is not driven on public roads can be susceptible to damage or loss. If you don’t want to self-insure and risk having to handle anything that happens completely out of pocket, then having some insurance coverage that can help in the event of damage or loss is a good idea. Your insurance agent can help you navigate the details and determine what types of coverage make the most sense for your situation.

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