Monetary penalty after not having insurance?

My only car was totaled 3 months ago so I had to cancel the insurance on it. It took me a while to find a new car and now I need insurance again. I'm worried insurance companies are going to think I was driving illegally or something since I have a gap insurance. Is there a monetary penalty for not having insurance for a few months? I wasn't driving.

Feb 22, 2018 Bayshore, New York

Ava Lynch

Feb 22, 2018

Your insurance history is a rating factor for determining your insurance premium, so yes, there will probably be some monetary impact for this. However, it's unlikely it will be too expensive. Usually, people who have had continuous coverage will receive a discount. So, in this scenario, you just wouldn't be eligible for that discount. Feel free to shop around here for car insurance rates. Every company will view your gap in insurance differently and thus price it differently.

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