Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

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.


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 below, we learned that the cheapest insurance provider after driving with an expired registration is USAA.

Company Accident/Violation Avg. Annual Premium
Allstate None $2,413
Allstate Driving with expired registration $2,750
Farmers Driving with expired registration $2,403
Farmers None $1,786
GEICO None $1,542
GEICO Driving with expired registration $1,748
Nationwide None $1,476
Nationwide Driving with expired registration $1,874
Progressive Driving with expired registration $2,405
Progressive None $1,882
State Farm None $1,569
State Farm Driving with expired registration $1,843
USAA Driving with expired registration $1,635
USAA None $1,365
Updated: 12/06/22.

Progressive and Farmers 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.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


Compare car insurance policies and make an informed decision.

or
Location pin icon
No junk mail. No spam calls. Free quotes.

question shield
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.

State Associated Fees
Texas $74-$157
California $10-$100
Florida Up to $100
Ohio Up 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

Find the right policy in only a few minutes.

or
Location pin icon
No junk mail. No spam calls. Free quotes.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.