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.