Can I drive without auto insurance in California?

The state of California has laws that require vehicle owners and drivers to carry auto insurance. All drivers on the road must have the financial capability to cover the costs of any damage that could result from driving. California laws require drivers to have a minimum insurance of $15,000 for injury or death to a person, $30,000 for injury or death to two or more persons, and $5,000 for property damage. Failure to carry this minimum insurance requirements can result in serious penalties.

If you are caught driving without insurance or if you fail to present proof of insurance, you will be ordered to pay fines. First time offenders will be fined $100 to $200. If within three years you commit a second offense, the fine will be $200 to $500. Other than fines, it is possible that your vehicle will be impounded by a court order.

If you get involved in a car accident and you do not have car insurance, you can have your driver’s license suspended for up to four years. You can have your license suspended even if you are not a resident of California. You can get your license back after a year if you provide proof of insurance to the Department of Motor Vehicles. You will need to pay the reissuance fee and you will be required to have form SR-22 or Proof of Financial Responsibility.

The penalties and troubles for getting caught without car insurance is far greater than what you need to pay for the auto insurance itself so it is advisable to comply with these state requirements before you do decide to drive.