In almost every state, drivers must have liability coverage for cars, so it's important to get insurance again as soon as possible. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents. In addition, you can add any driver who lives at your permanent address, and most insurance companies will require it. Some states may allow you to exclude a driver from coverage under the policy.
Insurance companies consider a lapse in car insurance coverage to be a red flag because it's often associated with higher-risk drivers. Depending on your state's regulations, you may be able to pause your car insurance if you're not driving for an extended period of time. If you have insurance coverage, also ask your insurance company (don't ask your agent or broker) to file an electronic insurance coverage notice with the DMV. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car.
Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence. Your new insurer may also have to file an SR-22, a form that some states require to prove that you have insurance (some states require a similar form known as FR-4). Don't take your car out of the warehouse until all of this is resolved; if you're caught driving without proper insurance coverage or without a valid registration, you could be fined.) If you have enough savings to pay a higher car insurance deductible in the event of an accident, opting for a higher deductible will mean a lower premium. If you plan to take your car off the roads for some time and don't have a lease or loan, you can suspend some car insurance coverage to save money, without completely canceling your policy.
Once you're ready to get your car back on the road, contact your insurance company to request the reinstatement of your coverages or policies. Once your insurance is in order, contact your state's BMV or DMV to verify that your car registration is still valid and send all the necessary documentation with your updated insurance details. You should avoid completely canceling your car policy if you plan to drive again in the future, as a lapse in car insurance coverage will likely result in a higher premium when you start driving again. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person.
Call your old insurance company and find out if your coverage has expired and, if so, how long you have been without car insurance coverage.