FREE Car Insurance Comparison

Currently insured?

Call (855) 425-8122

for FREE insurance quotes by phone

Call (855) 425-8122

for FREE insurance quotes by phone

Free Car Insurance Comparison

Compare Quotes from Top Companies and Save

Currently insured?
or call (855) 425-8122 for free quotes

What happens if my car insurance expires?

Here's what you need to know...
  • If you allow your insurance coverage to expire, you may find it difficult to find coverage again
  • You can be fined and even receive jail time if you are caught driving with expired insurance
  • Though you may be considered a high-risk driver, you should still be able to find coverage at an affordable rate if you shop around
You should never let your car insurance expire, but if it does, you are still able to get car insurance after it expires.

If you continue to drive with no insurance, you will not be covered if you cause an accident or something happens to your vehicle.

Use your zip code above to be able to compare car insurance quotes for companies in your local area.

Sometimes money is tight, and you hold off paying a bill without it having negative consequences, but you should never hold off on paying your insurance.

If you let your car insurance expire, there may be some consequences associated with it — especially if you wait a while to get new insurance.

What are the consequences of letting your car insurance expire?

AdobeStock_40258869-1600x1600

Car insurance is a requirement in many states, so it is not something that is optional.

The consequences for having expired car insurance vary, depending on whether you continue to drive or not.

If you are still driving around and have expired insurance, you can get into a lot of trouble.

If you are pulled over by the police for any reason, they will always ask to see your driver’s license, registration, and proof of insurance. If you do not have even one of these, you will be penalized.

If you cannot offer proof of car insurance or the card that you show them is expired, you will more than likely get a ticket.

Along with getting a ticket, if you do not have proper insurance coverage, your car may be towed.

Towing is an extra cost to you to get it out of the impound lot as well. In some instances, you will be reported to the DMV, which could affect you in different ways.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

Currently insured?
or call (855) 425-8122 for free quotes

What happens if I am in an accident with car insurance that has expired?

 

An even bigger consequence of driving with expired car insurance is if you are in an accident. If you were not at fault for the accident, you wouldn’t be penalized as much.

However, more than likely, they will find out that you are driving without insurance, and you will be fined.

If you are in an accident that is your fault, you will be responsible for all of the damages to not only your car and passengers, but to the other car and its passengers as well.

If the other driver has underinsured or uninsured motorist coverage, you may not be responsible for their damage costs, but you are still responsible for yours. You may also be sued by the other driver.

Because car insurance is required by most states, there is a chance that your license will be revoked if you are caught driving with expired insurance.

In some states, jail time is required as well.

Penalties for expired insurance differ from state to state. The National Association of Insurance Commissioners can lead you to your state insurance department.

Where can I get car insurance once my policy has expired?

AdobeStock_90465811-1600x1600

Depending on how long your insurance has been expired, you may be able to get your insurance reinstated by your last car insurance company.

If your expired time was considered to be a lapse in coverage, you might need to pay late fees and even the premiums for the time your insurance was expired.

Your insurance company does not have to reinstate your insurance.

If you have not been a very good customer, as in you filed a lot of claims or you paid your bills late, the company may see you as a high-risk driver and not grant you coverage.

If your last insurance company did not grant you a new policy, you would have to search for car insurance elsewhere.

As you are looking around, if you would like to see if the insurance company is financially stable, you can visit the website of A.M. Best or J.D. Power. The Better Business Bureau will provide customer reviews on many insurance companies as well.

Insurance companies will not view your lack of current coverage as a good thing. As a result, even if they grant you a new policy, you will probably end up paying more for your premiums.

You can compare car insurance rates from multiple companies today with just your zip code!

Copyright © 2018 · All Rights Reserved · Car Insurance Comparison · Terms & Conditions · About Us · Privacy Policy · Contact Us · Site Map · Resources

Currently insured?