Penalties for Driving Without Insurance in California

Penalties for Driving Without Insurance in California

The penalties for driving without car insurance in California vary depending on whether it is your first or subsequent offense.

• First offense: A fine between $100 and $200
• Second (and subsequent) offense: A fine between $200 and $500
• Filing of an SR-22 certificate
• Possible suspension of the vehicle’s registration or license
• Reinstatement fees 

Getting into an accident without insurance means you will lose your license for one year. After a year, you can get your license reinstated, but your insurance company must file an SR-22 on your behalf. This is a “Certificate of Financial Responsibility” that confirms you’re carrying the minimum amount of insurance in the state. You’ll need to keep SR-22 insurance for three years, which causes your car insurance to be much more expensive.