What penalties will I face for being ticketed for lapsed car insurance?

I got ticketed for lapsed car insurance and the police officer said I'd have to pay a fee. I've since reinstated my policy. Will I face any other penalties, like points on my driving record?

Answer
Having a lapse in car insurance while you’re still driving your car can impact your wallet hard, and for a long time! Aside from the cost of the ticket, there’s a chance of having your license suspended and then having to pay a fine to reinstate it. You may have to file a SR-22 (Certificate of Financial Responsibility) for a certain period of time, and this has a per-policy-term fee. There’s also the possibility of having your new auto policy surcharged three to five years for the ticket you received, and having an overall higher rate of insurance for the lapsed coverage. The effects can vary from state to state, so check with your local DMV.
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Shannon Martin
Answered on Mar 12, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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