# Can I register a car in California without having car insurance?

Amelia Palmer · August 4, 2026

> California is one of the 10 states that allow registering a newly purchased car without insurance, but proof of financial responsibility is still...

California is one of the 10 states that allow registering a newly purchased car without insurance, but proof of financial responsibility is still required.

The minimum liability insurance coverage required in California is $15,000 for bodily injury per person, up to $30,000 per accident, and $5,000 for property damage.

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Alternatively, a cash deposit of $35,000 can be made with the Department of Motor Vehicles (DMV) as proof of financial responsibility.

Failure to comply with insurance requirements can result in vehicle registration suspension and potential fines or penalties.

California law requires all vehicles to have proof of financial responsibility, which can be demonstrated through insurance coverage or a cash deposit.

If you're caught driving without insurance in California, you can expect a fine of $100-$200 for a first offense and $200-$500 for subsequent offenses.

Vehicle impoundment and related fees can also be applied to those driving without insurance.

The California DMV allows a self-insurance certificate as an alternative to traditional insurance coverage.

A surety bond for $35,000 from a licensed company can also be used as proof of financial responsibility.

Newly purchased cars require proof of insurance from the insurance company, and the cash deposit option is not available.

Vehicle registration suspensions can occur if proof of financial responsibility is not provided or if the insurance policy lapses.

California law enforcement can request proof of insurance during traffic stops or collisions, and it's mandatory to carry it in the vehicle at all times.

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