What Happens If I Have A Lapse In Auto Insurance? 
This can be different state by state , but I can advise regarding Connecticut . If you let your car insurance lapse here , a couple of things will occur . First , because the CT Department of Motor Vehicles requires by law that anyone who registers a car here must have and maintain car insurance , such a lapse can cause you serious problems down the line . Here , insurance companies and DMV share information so when a policy lapses , DMV is notified by your insurance company . DMV will send a letter requiring you to provide proof that coverage was maintained and if you can not provide such proof , regardless ofhow long the lapse , you will be fairly heavily fined . Secondly , when you do decide to establish car insurance again , you may find that it will cost you more than it did before the lapse . This is because companies have underwriting requirements that stipulate that one must maintain continuous coverage for at least the previous 6 monthsin order to qualify for standard rating . If that can not be proven , you will end up with a higher risk carrier for at least 6 months and will pay a much higher premium that you have been used to paying . 