Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 22, 2020

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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.

Things to Remember...

  • Although it depends on the circumstances typically failure to maintain auto insurance will result in a suspension of driving privileges
  • De-insurance is the voluntary temporary removal of auto insurance coverage. The driver places notice with his/her insurance company that the insured vehicle is not being driven
  • Don’t be afraid to do a rate comparison, this is the only way to get the best value for the money


Is it possible to get auto insurance without coverage? This is a legitimate question that some people have when they’re without auto insurance. If you fall into this category, it is possible to get coverage.

Although it depends on the circumstances typically failure to maintain auto insurance will result in a suspension of driving privileges.

Additionally there may be fines, penalties and fees to pay before you can obtain valid policy coverage.

If you’re looking for cheap auto insurance rates to maintain your auto insurance coverage, enter your ZIP code into our FREE car insurance comparison tool to start comparing cheap rates!

For All Jurisdictions Within the United States

  • Drivers with a license plate and state  vehicle registration must maintain valid insurance coverage
  • Default payment status will result in automatic auto insurance policy cancellation
  • Insurance companies are required by law to report policy cancellations to the Department of Motor Vehicles
  • Liability auto insurance coverage must be maintained on any vehicle that is operated on a public road or highway
  • For all new and used vehicle purchases, insurance is required for registration

Free Auto Insurance Comparison

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Benefits of a Free Rate Quote

Usually, failure to maintain auto insurance is a matter of finances. If your auto insurance policy lapsed because you couldn’t afford the policy, strive to find a new insurance provider with lower annual premiums.

Use our FREE rate quote comparison tool, to examine insurance providers that might otherwise be overlooked in a general search of the Internet. Just enter your ZIP code now!

When There’s a Lapse in Auto Insurance Coverage

Drivers will receive notification that their tag and registration have been suspended and therefore need to be surrendered.

There’s no grace period, the suspension of license, tags, and registration is effective immediately, based on the date that the policy is canceled.

Voluntary surrender of the tag and registration will not result in suspension if the driver chooses not to maintain insurance coverage because the car is not being used.

There are certain states which allow drivers to voluntarily withdraw insurance coverage from a vehicle for a pre-determined amount of time. Otherwise, it is imperative that the driver is not uninsured.

What is De-Insurance?

De-insurance is the voluntary temporary removal of auto insurance coverage. The driver places notice with his/her insurance company that the insured vehicle is not being driven.

The following applies to de-insurance:

  • Department of Transportation issues a certificate verifying that vehicle will not be driven without insurance
  • Driver must pay scheduled registration fees as necessary on or before the due date
  • Vehicles listed on the certificate must be on file with the regulating authority indicating that the vehicles aren’t used for any purpose
  • Vehicle owners are not penalized with suspension; the owner is certified to lawfully maintain possession of auto tags and registration

To obtain auto insurance when you don’t have coverage requires the following:

  • Date of Birth
  • Driver’s License
  • Permanent Address
  • Social Security Number
  • Vehicle Year, Make and Model
  • Vehicle Identification Number (VIN)

It’s important to take the time to do research and shop for a comparable policy that matches your current income status. Rate quotes will allow you to find a policy that you can purchase online for instant auto insurance coverage.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Special Circumstances to Consider

  • Drivers without continual insurance coverage are considered high risks and therefore may be required to maintain a good driving record for an extended period of time before they qualify for any type of discounts or savings
  • Penalties for driving without insurance coverage vary from state to state. For example in New York there is a daily penalty imposed for each day the driver fails to maintain current liability coverage
  • In South Carolina drivers without auto insurance coverage are charged with a misdemeanor
  • Failure to maintain auto insurance makes it harder to find an insurance company willing to issue a policy for drivers without coverage, drivers may be required to maintain SR-22 policy coverage
  • The fines and penalties for driving without insurance increase when there are multiple offenses, repeat offenders may also have their vehicle impounded to prevent further infractions

When you’re ready to purchase cheap auto insurance coverage, shop around to find a policy that you can afford, start by filling out the form with the requested information.

Consumer Advantages of Requesting a Free Rate Quote

Side by side policy comparisons presents consumers with the opportunity to search multiple companies at once to find out which ones offer affordable monthly premiums and benefits.

Consumers without current auto coverage might be tempted to select the first company willing to accept them as a policyholder.

Don’t be afraid to do a rate comparison, this is the only way to get the best value for the money. Select the insurance company which provides realistic coverage options for your current vehicle.

Enter your ZIP code into our FREE auto insurance comparison tool now to compare rates.

If you’re without current policy coverage, it’s advisable to purchase insurance protection as soon as possible. For drivers who are aware that they won’t be driving their vehicle for an extended period of time.

It’s best to contact the insurance provider prior to the expiration date of the current policy.

Any lapse in coverage makes it harder to find a company willing to assume the risks to issue a new policy.