Driving Without Insurance in California

Drivers who cannot show proof of insurance when asked get a ticket; driving without insurance can bring fines, license suspension and impoundment of the vehicle. A driver involved in a collision without proper insurance has their driving privilege suspended for up to four years, regardless of who was at fault. The DMV also suspends a vehicle's registration when it does not receive proof of insurance.

Drivers must carry evidence of insurance in the vehicle at all times and show it when asked by law enforcement, when renewing registration, and after a collision. Insurers are required by law (Cal. Veh. Code § 16058) to report private-use vehicle insurance electronically to the DMV, and since Jan. 1, 2023 commercial and fleet vehicle insurance as well. If the DMV does not receive proof of insurance for a vehicle, its registration is suspended and the vehicle may not be driven or parked on public roads until proof is submitted (online or by email). Owners must notify the DMV before canceling insurance (or file an Affidavit of Non-Use) to avoid a registration suspension.

A driver whose license is suspended for being in a collision without proper insurance can get the license back during the last three years of the up-to-four-year suspension by filing a California Insurance Proof Certificate (SR 22/SR 1P) and keeping it in effect for that three-year period. The DMV may also ask for an SR 22 as evidence of financial responsibility.