Truckolet ... What Martin is saying is that we've seen this, and similar questions regarding insurance requirements, licensing, etc. many times. All they ever seem to do is invite a lot of personal anecdotes that aren't actually all that helpful to the OP because they are from other states or involve a lot of personal variables that ultimately render the info possibly interesting but largely irrelevant/inapplicable (in the Communication profession, we call that "noise").
The truth is that like insurance, titling, registration and other similar issues, the answers vary state to state and even vehicle to vehicle to such an extent that the *only* source for accurate, actionable information is one's own state DMV/Motor Vehicle Admin office.
Martin exercised his judgement to lock the thread rather than let the noise continue. There is a risk that someone could make a very bad decision based on anecdotal info gleaned from such a thread and we would *very* much like to avoid that.
Martin was doing his job. Nothing wrong with the OP asking a question. But we should all have exercised better judgement and directed him to his local DMV for accurate information.

I hope we've answered your concerns. Thanks for raising them.
John