How Soon After Buying A Car Does It Need To Be Insured? 
Since the rules on this can change from one state to another , check with a local agent on the rules . In Florida , if you 're buying a car with finance you have to give proof of insurance to take the vehicle off of the lot at purchase . If your car purchase is replacing one vehicle for another , a quick call to your agent prior to finalizing the deal is all that 's needed . If the car is an additional car -LRB- and additional policy -RRB- a new policy will need to be written . This can often still be done with a quick call to your agent , but plan for the expense of starting a new policy . 