Do I have to keep car insurance if I don't have a vehicle or title?

You do not have to have insurance if you do not own or are driving a car. However, having a lapse in insurance will cause your rates to be higher once you do start a new policy. This is because of how insurance companies rate on how long you've been continuously insured. If you will be driving from time to time, consider getting non-owners insurance, which is a liability-only policy that covers you to drive any car that you do not own or have regular access to. This type of policy is fairly affordable and will help you maintain continuous insurance coverage. If you have any other questions, don't hesitate to ask.