Driving Without Insurance in California: Risks and Consequences

Thinking about skipping auto insurance in California? Here’s what you need to know about the risks and consequences

California’s Insurance Requirements

California law requires all drivers to carry minimum liability insurance:

• $15,000 for injury/death per person
• $30,000 for injury/death per accident
• $5,000 for property damage

Penalties for Driving Uninsured

Caught without insurance? Here’s what can happen:

• First Offense: Fines up to $200 + penalty fees.
• Subsequent Offenses: Fines up to $500, plus penalty fees and possible license suspension.

Your Car Could Be Impounded

In some cases, law enforcement can impound your car if you're driving uninsured, especially after an accident.

License Suspension & Registration Hold

Driving uninsured can result in license suspension and a hold on your vehicle registration. Reinstatement requires proof of insurance and fees.

Costs of an At-Fault Accident

If you’re responsible for an accident while uninsured, you’ll bear all costs, from property damage to medical expenses.

Financial Liability Beyond Insurance Limits

California allows accident victims to sue uninsured drivers for damages, which can mean wage garnishment or asset seizure.

Risk of High-Risk Insurance Premiums Later

Getting caught without insurance can put you in a “high-risk” category, leading to higher premiums when you do get insured.

Stay Protected and Legal

Don’t risk it! Get the coverage you need to drive legally and protect yourself financially in California.