Do you have to have car insurance on a broken car?

Answer 1

If the car is not driveable (for example, up on blocks), you can generally suspend the insurance until it is roadworthy. However, state law may differ on this point, so you need to contact the division of motor vehicles in your state to confirm. You will want to ask about "financial responsibility" requirements on this issue.

If the car is financed, the lender may require that physical damage insurance be maintained. That is a contractual matter and you would be required to maintain the insurance even if the car was not operable.