SR-22 Insurance in District of Columbia
When District of Columbia requires an SR-22 (or similar) certificate of insurance, how long you must keep it, and what happens if it lapses.
Short answer: Operating or permitting operation of a vehicle without required insurance carries a civil fine of $500 and/or a license suspension of up to 30 days for a first offense; D.C. Code §§ 31-2413, 31-2403(d)(2)
| Driving without insurance | Operating or permitting operation of a vehicle without required insurance carries a civil fine of $500 and/or a license suspension of up to 30 days for a first offense; for second and later offenses the fine increases by 50% and/or the license may be suspended up to 60 days. An owner whose registered vehicle is uninsured is fined $150 per vehicle for 1-30 days uninsured, then $7 per day, up to $2,500 per violation (the DMV Director may waive fines on proof the vehicle was not driven). The DMV suspends the registration 30 days after a notice of proposed suspension unless proof of insurance is shown and fines are paid; reinstatement requires proof of insurance, a reinstatement fee and the fine, and the vehicle may be immobilized. Making false statements about insurance, driving on a suspended registration or not returning tags can bring up to 30 days in jail (90 days for repeat offenses). Re-verified 2026-10-27. |
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More District of Columbia car insurance & vehicle laws
- Minimum Car Insurance in District of Columbia
- Driving Without Insurance in District of Columbia
- When a Car Is a Total Loss in District of Columbia
- Transferring a Car Title in District of Columbia
- All District of Columbia car insurance & vehicle laws rules
FAQ
What is the penalty for driving without insurance in District of Columbia?
Operating or permitting operation of a vehicle without required insurance carries a civil fine of $500 and/or a license suspension of up to 30 days for a first offense; for second and later offenses the fine increases by 50% and/or the license may be suspended up to 60 days. An owner whose registered vehicle is uninsured is fined $150 per vehicle for 1-30 days uninsured, then $7 per day, up to $2,500 per violation (the DMV Director may waive fines on proof the vehicle was not driven). The DMV suspends the registration 30 days after a notice of proposed suspension unless proof of insurance is shown and fines are paid; reinstatement requires proof of insurance, a reinstatement fee and the fine, and the vehicle may be immobilized. Making false statements about insurance, driving on a suspended registration or not returning tags can bring up to 30 days in jail (90 days for repeat offenses).
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.