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Does a vehicle need car insurance if its in storage in New Jersey?

We have an old car that belongs to our daughter who is working out of state but want to keep it in our home in case she needs it when she goes to grad school next year. Can we keep inside garage without driving it and not carry insurance. Is there any penalty in NJ in keeping the car registered without insurance but not drive it (and stored in a car garage)?

Oct 21, 2018 Austin, TX

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Ava Lynch

Senior Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one…

Every car that is registered needs to have insurance in New Jersey. Since you are not driving you can keep the state minimum liability on the vehicle. Most of the penalties would be for driving without insurance but you can not have the car registered without insurance. Unfortunately, there really isn't storage insurance in New Jersey, again you would want to just keep minimum coverage on the car. Good luck and if you have any other questions, don't hesitate to ask.

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