Is Car Insurance Federally Mandated? 
No , personal auto insurance is not federally mandated . Most States , however do have laws on the books that require proof of insurance in order to register and maintain registration on a car . In these states , the law usually includes a stipulated `` minimum '' amount of coverage . Though the state minimums may be different , the required coveagewould include Bodily Injury and Property Damage as well as Uninsured/Underinsured coverage . Some states also have a `` No Fault '' provision which requiers a policy to include coverage for primary medical benefits . States do n't usually include Comprehensive or Collision Coverage under the requirements . . but your lienholder will . 