It’s illegal to do have a registered car with out an insurance in any state. However, with this pandemic going on I’m sure they will consider and understand your situation. You can try telling insurance companies, that you have to be quarantined or something. I doubt a lot of people wanna do that cuz lapse in insurance will increase premiums later. But just be smart and talk with agent. May be they have a garage insurance. There is a question - how many days you were with out insurance? But if you go back with same company, they won’t penalize you. I feel like you are complicating things. DMV should work with you in this situation. -
Also a leased or financed car would require a full coverage. If paid off you need to search cheaper insurances. You should able to take care Monday in 10 mins. Don’t complicate. Good luck.