Each state varies on what the minimum coverages allowed. You will need to at least meet legal minimums year round, usually liability and/or personal injury protection.
A friend of mine only carries collision during the months when his car is out of storage, but he keeps the comprehensive year round in case of fire or theft.
All drivers are required by law to carry proof of Financial Responsibility. So if you are an insured driver under the terms of the Auto Insurance Contract then you are covered to drive it. If you are not an insured under the terms of that policy then you are not covered. Remember, Vehicles do not drive themselves and vehicles do not carry insurance, People do. Auto Insurance Is to cover the losses and legal liabilities of the Insured.
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