How to renew car insurance in California

You can renew your car insurance , landlord insurance , home insurance ,private health insurance and auto insurance .
You have four car insurance renewal options: mail, online, phone, or in person.

In-Person

Visit your local DMV office with:

• Either your renewal notice or current registration certificate
• Your CA driver's license (it must be valid)
• Court clearance documents showing that all delinquent fees have been paid (if applicable)
• Payment to cover renewal fees (cash, check, money order, debit/ATM card)

NOTE: You must renew in-person if you owe any delinquency fees or unpaid traffic tickets.

Online

You can renew online provided you do not have any unpaid traffic tickets or delinquency fees. This will be posted on your renewal notice.

To renew online you'll need:

• The last 5 digits of your vehicle identification number (VIN).
• Proof of car insurance on file with the DMV.
• Proof of smog certification on file with the CA DMV.
• Payment to cover renewal fee (credit, debit, or ATM card, or checking account number).

Telephone

You can use this option provided that your registration renewal notice shows the correct address and you have no unpaid delinquency or ticket fees.

To renew by phone, dial (800) 921-1117 and have:

• Your VIN (should be listed on your renewal notice).
• Proof of auto insurance on file with the DMV.
  
• Proof of emissions certification on file with the DMV.
• Your license plate number.

Mail

You will need to provide:

• Your registration renewal form. If your address has changed, print your new address on the form.
• Proof of car insurance, if required.
• Proof of smog inspection, if required.
• Proof of paying outstanding fees, if required.
• Check or money order made payable to the DMV.

Mail documents and payment to:

• Vehicle Registration Operations
• Department of Motor Vehicles
• P.O. Box 942869
• Sacramento, CA 94269-0001

Registration Renewal Fees

The CA DMV provides an Online Fee Calculator to help you decipher your registration renewal fees.

Fees vary based on a number of factors, including:

• The year and weight of your vehicle.
• Special license plate fees.
• Local county or district fees.
• Delinquency fees, such as unpaid parking tickets, must be resolved before you can renew.

Late Fees and Penalties

The CA DMV does not offer any grace period for late renewals. If you miss the deadline, you will be subject to three types of late fees:

• A percentage of your standard renewal.
• A flat late fee.
• A flat California Highway Patrol (CHP) late fee.

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Late fees are charged in addition to your regular renewal cost. These fees increase over time, getting more expensive the longer you delay.

Tax Deductions

After renewing your registration, you may be eligible for a tax deduction on your vehicle license fee.

Emissions and Smog Testing

Your renewal notice will indicate if you need an emissions test.

For additional information on exemptions, testing fees, locations, and what to do if your vehicle fails the test, visit ourCA Smog Test Section.

Liability Insurance Requirements

All vehicles must carry, at the very least, the following minimum amounts of liability insurance coverage:

• $15,000 for injury/death to one person.
• $30,000 for injury/death to more than one person.
• $5,000 for damage to property.

You cannot renew your registration without proof of car insurance protection. Allowing your coverage to lapse for a period of 45 days or more may result in the suspension of your registration. In addition, your vehicle may be impounded if you get pulled over without proof of insurance.

Military Registration Renewal

If your vehicle's CA registration is expiring soon and you are deployed as a member of the armed services, you may be eligible to delay payment until you return.

To be eligible, you must:

• Be a member of the Armed Forces, Armed Forces Reserve, or National Guard.
• Be temporarily deployed outside the state and engaged in combat or homeland defense purposes.
• Not be deployed solely for training, processing, or permanent change of station purposes.
• Be only applying to have the fees that you incurred during your time of deployment waived.

To have any late fees waived, you must:

• Visit your local DMV office and follow the standard registration renewal procedures (see above).
• Complete a Statement of fact form, indicating your active duty status and deployment dates.

You have 60 days from the time you return to California to submit your late fee waiver and complete your renewal.

It's best to schedule an appointment with the CA DMV before visiting.

Non-Operational Vehicles

If you received a renewal notice for a vehicle that you do not plan on operating (e.g. drive, park, store, or have towed) on public roads for the entire registration year, you may apply for Planned Non-Operation (PNO) status to avoid paying renewal fees.

Apply for Planned Non-Operation Status

To apply for PNO status, you must do so either:

• On or before the day your registration expires

OR

• Apply up to 90 days after your registration expires and pay all accrued late fees (see above)

To apply, either mark the designated PNO box on your renewal notice. Or:

• Complete a PNO Certification (Form REG 102)PNO Certification
• Complete an Affidavit of Non-Use(Form REG 5090), if you plan on canceling your insurance.

Mail your renewal notice or PNO Certification to the address provided on the documentation. Or mail to:

• Department of Motor Vehicles

• P.O. Box 942869

• Sacramento, CA 94269-0001

You may file for PNO status up to 60 days before your registration expires. Thereafter, you will receive a PNO notice every year, which you may ignore until you plan to operate your vehicle again.

Vehicle Moving Permit

You may apply for a vehicle moving permit that allows you to move or park a car on public streets for one day.

This permit is intended to be used for things like getting your emissions tested or moving a vehicle from one storage place to another.

You will not have to pay any fees, as long as it's just for the day. To apply, visit your local DMV office and:

• Complete a Vehicle Moving Permit application.
• Pay all necessary renewal fees.

Regular Use Registration

You must re-register your vehicle if you plan to return it to the road. To do so, visit your local DMV office and:

• Follow the registration renewal steps described above.
• Pay all required renewal fees.
• best health insurance and building insurance .

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