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Mostly because most states won't give you a tag for your car without you having liability insurance on the car. if you cause a wreck the insurance pays for the damage you caused and if you don't have enough coverage the injured party may go to court and sue you for some more money. Liability insurance does not pay for damage to your car. To get insurance you have to have a drivers license. If you get checked at a road block and have no insurance your car goes to jail and you may also. Comprehensive insurance pays for damage to your car. You have a twenty thousand dollar car and wreck it or someone else wrecks it then you get it repaired by the insurance company.

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17y ago
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Q: What do you need to get car insurance?
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