Car Insurance with Expired Registration

Does a ticket for driving without registration affect your insurance?

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Getting auto insurance with an expired registration

Every US state requires you to register your vehicle in order to park or drive on public roads. Failure to do so may result in a ticket and associated fees. On average, being ticketed for driving with an expired registration will increase your six-month insurance premium by $131. Additionally, you could face hundreds of dollars of legal and ticket fees for failing to register your vehicle.

Let’s break down options for cheap car insurance with an expired registration.

  1. Cheap car insurance with expired registration
  2. How much are tickets for expired registration
  3. Additional information

Cheap car insurance after an expired registration ticket

After you re-register your vehicle, the violation may continue to affect your auto insurance premiums. While the impact may vary, most insurance companies will include a surcharge for as long as three to five years after any violation or claim. Using a methodology outlined here, we learned that the cheapest insurance provider after driving with an expired registration is USAA.

6-month premium w/no violation6-month premium w/ expired registration
Allstate - $945$955
Farmers - $797$850
GEICO - $657$700
Liberty Mutual - $797$1,032
Nationwide - $675$1,042
Progressive - $788$970
USAA - $498$525

 

Liberty Mutual and Nationwide assessed considerable premium increases after a registration violation. Use our data as a jumping-off point. It is based on a generalized profile and not necessarily reflective of your specific driving profile. Enter your ZIP code below to see a personalized quote based on your driving history, location, and other factors.

 

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Can you remove tickets for expired registration?

This depends on the duration for which your registration was expired. If it only lapsed for a few days, you might be able to contest the ticket and get it dismissed. Otherwise, you might have a more difficult time. In this case, your best bet is to contact your state’s DMV.

 

How much is a ticket for expired registration?

This varies depending on each state’s laws and the duration of the registration lapse. Below are estimated penalties from five states in the US.

StateAssociated Fees
Texas$74-$157
California$10-$100
FloridaUp to $100
OhioUp to $250
New Jersey$75-$100

 

Additional resources

Your best bet for car insurance with an expired registration is to contact your state’s DMV and begin the process for being reinstated. It's unlikely a car insurance company will cover you if your registration is currently expired. The process will vary by your state but usually includes:

  • Showing proof of insurance coverage
  • Paying any remaining fees, usually including a lapse fee and reinstatement fee

If you’re looking for any additional information, see the related articles below.



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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.