If My Car Registration Expires is My Car Insurance Still Valid?

FREE Car Insurance Comparison

Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

Full Bio →

Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Mar 13, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

If your car registration expires, then does your car insurance expire as well? Or does your car insurance remain active even after your registration expires? Today, we’re explaining everything you need to know about car registration and insurance.

Expired Registration Does Not Typically Affect the Price of Car Insurance

Your expired vehicle registration will have no effect on your car insurance.

Your car will be insured as long as you’re paying your insurance premiums. Even if your car registration expires, your vehicle will remain covered under your insurance policy.

Your insurance company is responsible for insuring your vehicle. Your state’s Department of Motor Vehicles is responsible for registering your vehicle. The two entities are separate, and your expired registration will not affect your car insurance in any way.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Driving with Expired Registration Will Lead to a Minor Ticket

car regsitration expires insuranceThe next question we get is this: what happens if you get caught driving with expired registration but you’re still insured? Will you pay a significant fine or face higher insurance prices for driving without valid registration?

Typically, driving with expired registration will only lead to a small fine. In most states, you will receive a non-moving violation. The ticket will not affect future car insurance prices.

Driving with expired insurance is considered much more serious than driving with expired registration. Driving without valid insurance will expose you to significant liability. If you get into an accident, then you may need to pay out of pocket for any damages. Meanwhile, if you get pulled over while driving without insurance, then you could face higher penalties and higher insurance prices in the future. Your vehicle might even be impounded.

If you get pulled over, then the police officer will run your driver’s license and license plate against DMV records to determine whether or not your vehicle is properly registered. You will also be asked to provide proof of insurance. If the law enforcement officer cannot find proof of insurance or proof of registration, then you could face serious penalties – including vehicle impoundment and fines.

Nevertheless, every situation varies, and some drivers will have their car impounded for driving without registration. Obviously, it’s in your best interest to drive a vehicle that is legally registered and fully insured.

In Most States, You Need Insurance Before Registering Your Vehicle

In most states in America, you’ll need to provide proof of insurance in order to satisfy vehicle registration requirements.

In some states, you must show that you have auto insurance before you receive a permanent license plate. Without valid car insurance, you will not be able to register your vehicle.

If your vehicle registration is expired and you’re unsure when your insurance expires, then double check before you register your vehicle.

How Much Does It Cost to Register a Vehicle?

Typically, it costs about $50 to $100 to register a vehicle in most states.

In some states, you can register your vehicle online. In other states, you’ll need to visit your local Department of Motor Vehicles.

You will need to provide proof of insurance to register your vehicle. All but a few states require you to bring proof of insurance to complete the registration process. If you do not have proof of insurance, then you may not be able to complete the registration process.

Typically, your vehicle registration is good for one year, although some states now offer two year registration periods. You’ll be required to renew your registration every year or every two years around the same time.

As a vehicle owner, you’re responsible for keeping your vehicle registration up-to-date.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Conclusion

Ultimately, vehicle registration and car insurance have little to do with one another. Failing to update your car registration will not cancel your car insurance.

Nevertheless, both car insurance and car registration are required by law to drive on the roads. Getting caught without valid registration is typically less serious than getting caught without insurance. However, both are punishable offenses.

You should be able to walk into any DMV to renew your car registration. As long as you have proof of insurance, then you should have no trouble renewing your registration and getting back on the road legally.

Are you looking for free insurance quotes?

Your one-stop online Car Insurance guide. Get a Free Quote Now!

(855) 898-5028