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Fine for driving without insurance in India 2023

Fine for driving without insurance

Worried about the fines and consequences of driving without insurance in India?

Don’t be! In this article, we’ll cover everything you need to know about traffic violations and fines in India, including the fine for driving without insurance. Stay informed to protect yourself from unwanted financial burdens and legal troubles.

We’ll also provide you with valuable tips to avoid traffic violations and fines, so you can enjoy a safe and hassle-free driving experience.

Keep reading to learn more and stay on the right side of the law!

Fine for driving without insurance in India

Fine for driving without insurance

If you’re stuck using without having motor insurance, you need to pay fine for driving without insurance. According to Indian law, a fine of Rs.2,000 may be incurred and imprisonment of up to 3 months. As in keeping with the old provision, Rs.1,000 becomes fine for driving without insurance.

For the second offence, a penalty of Rs.4,000 may be imposed. Alongside imprisonment of up to 3 months as in keeping with the discretion of law. Thus, all vehicles are without an insurance policy. They are subject to fine.

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Other traffic fines for a different violation

Following all are the fines other than the fine for driving without an insurance policy:

1. Driving without a license

For driving, without a license, there is a fine of Rs. 5000 and/or community service.

2. Driving under the influence of an intoxicating substance

Fine for driving under the influence of an intoxicating substance is Rs. 10000 and/or 6months prison. But if Rs. 15000 and/or 2 years jail for repeating the violation.

3. Driving without a seat belt

Fine for driving without a seat belt Rs. 2000 and/or 3 months prison, community service. But if repeat the violation Rs. 4000.

4. Violating Road Regulations

For violating road regulations fine is between Rs. 500- ₹1000.

5. Dangerous Driving/Riding and Jumping Red Light

For the dangerous driving/ Riding and Jumping Red light fine is Rs. 1,000- ₹5,000 and/or 6-months to 1 year in jail, license seizure

6. Driving/Riding While on the Mobile Phone

Fine for the driving /riding while on the mobile phone is Rs. 5,000.

For knowing more about fine for driving without insurance read the full article.

7. Speeding, Racing

For the speeding, the racing fine is Rs. 5,000 and/or 3-months prison, community service. But if repeated the speeding, racing violation fines Rs. 10000 and up to 1 year in prison and community service.

8. Not Giving Way to Emergency Vehicles such as Ambulances, Fire Engines, etc.

Fine for not giving way to emergency vehicles such as ambulances, fire engines, etc Rs. 10,000 and/or community service.

9. Riding without Helmet

Fine for the riding without helmet Rs.1000, and or license disqualification, community service for 3-months

10. Overloading Two-Wheelers

For the overloading two-wheelers fine Rs. 2,000 and license disqualification and/or 3-months community service

11. Juvenile Offences

Fine for juvenile offences Rs. 25,000 with 3-years jail, cancellation of registration for 1-year, juvenile ineligible for the license unless of 25 years of age.

12. Driving/Riding Despite Disqualification

Fine for the driving /riding despite disqualification Rs.10,000, and/or community service.

13. Overboard Passengers

For the overboard passenger’s fine Rs. 200 for per extra passenger and/or community service.

For knowing more about the fine for driving without insurance read the full article.

14. Fine for Driving without a Ticket

Fine for the driving without ticket Rs. 500.

15. Fine for Offense Committed by Enforcing Authorities Such as Offering Bribes

For this type of violation, there is twice the penalty (varies according to traffic rules violated).

16. Fine for Unauthorized Use of Vehicles Without Licence

Fine for the unauthorized use of vehicles without license Rs. 1,000- 5,000.

17. Fine for Disobedience of Orders of the Authorities

For the disobedience of orders of the authorities fine Rs. 2,000.

18. Fine for Vehicles without Permit

Fine for vehicles without permit Rs. 10,000 and/or up to 6-months of prison, community service.

19. Fine for Oversized Vehicles

Fine for the oversized vehicles Rs. 5,000 to 10,000 and/or community service.

20. Overloading

For the overladig fine is Rs. 20,000  +  Rs. 2,000 for per extra tonne and/or community service.

21. Fine for Driving without Licence

Fine for the driving without license Rs. 25,000 to Rs. 1,00,000

22. Fine for Driving without Registration

For the driving without registration fine is Rs. 5,000. But if Rs. 10,000 for a repeat offense

23. Fine for Using Horn in Silent Zone

Fine for the using horn in silent zone Rs. 2,000. But if Rs 4,000 for a repeat offense.

Consequences of Driving without Insurance

In case you’re stuck using without insurance via way of means of the traffic police. You’ll be requested to give your vehicle document like your user license and registration certificate. A challan may be issued via way of means of the traffic police officer which may be paid each online and offline.

To pay the fine online, follow the given steps:

1. Go to the official website of your state’s transport department.

2. Now, visit the traffic violation payment or e-challan section.

3. Provide required information concerning the traffic violation including challan

number, vehicle number, etc.

4. After you fill in withinside the information, input the captcha code.

5. You pays the fine via digital wallets, credit card, or debit card.

6. Lastly, you may acquire a receipt alongside a confirmation message.

To make the fee offline, go to your nearest traffic police station.

Tips to Avoid Traffic Violations and Fines

Tips for Car Owners and Drivers

  • Ensure you and the individual to your front passenger seat are wearing a seatbelt.
  • Ensure you`re carrying your driver`s license with you. If you best have a learner`s license, make certain a person with a legitimate license is seated with you withinside the passenger seat.
  • Always drive within the speed limit and don`t get too filmy, racing round in town.
  • Always give way for emergency vehicles such as ambulances, police cars, fire engines, etc.
  • Even though a soft copy is sufficient, it`s continually higher to hold a bodily copy of your vehicle insurance in the dashboard. Additionally, continually take a look at your vehicle insurance expiry date and ensure you renew it maximum, one to 2 days earlier than its expiry.

Tips for Two-Wheeler Owners and Riders

  • Always make sure you and your pillion rider have a helmet on.
  • If you only have a learner`s license. At least ensure a person with a legitimate two-wheeler license is seated at the back of you.
  • Avoid using withinside the incorrect lane and comply with street rules together with by no means moving over the speed limit.
  • Always give way for emergency vehicles such as ambulances, fire engines, and police cars.

In the above article we have discussed fine for driving without insurance.


Q1: Is it legal to drive without insurance in India?

A1: No, it is not legal to drive without insurance in India. It is mandatory for all vehicles to have a third-party car insurance policy.

Q2: What happens if car insurance expires?

A2: If your car insurance expires, you will be driving without insurance, which is illegal in India. You could face a fine of up to ₹4,000 and/or imprisonment of up to 3 months. Additionally, you will not be financially protected in case of an accident.

Q3: How many days before insurance can be renewed?

A3: You can renew your car insurance policy up to 90 days before it expires.

Q4: What is the grace period of insurance?

A4: The grace period of insurance is the period of time after your insurance policy expires during which you are still covered. The grace period for car insurance in India is 15 days.

Q5: How long is car insurance valid for?

A5: Car insurance policies in India are typically valid for one year. However, you can purchase a policy for a longer period, such as two or three years.

Q6: What happens if you don't have car insurance and get into an accident?

A6: If you don't have car insurance and get into an accident, you will be personally liable for all damages. This means that you will have to pay for the repairs to your own car and the other vehicle involved in the accident, as well as any medical expenses.

Q7: Can you drive a car around without insurance?

A7: No, you cannot legally drive a car around without insurance in India. If you are caught driving without insurance, you could face a fine and/or imprisonment.

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