Does The Federal Government Require Auto Insurance? 
Good question . The federal government does not require auto insurance . Insurance for your car is regulated by each state . Some states require that you maintain auto insurance on any registered vehicle while others do not mandate insurance . In NY you are required to maintain PIP coverage . This is commonly referred to as `` No Fault '' . No fault means that no matter who was at fault in the accident , your policy will pay for your medical bills if you were injured . Hope this helps . 