Yes, you can absolutely get a citation for car insurance, but it's not a ticket for a moving violation. In this context, a "citation" is simply another term for an official proof of insurance document. You are legally required to carry this proof, often called an insurance ID card, whenever you drive. This card is issued by your insurance company after you purchase a policy and contains essential details like your policy number, coverage effective dates, vehicle information, and the insurance provider's contact information.
Law enforcement officers will request this citation during a traffic stop or after an accident to verify you have the state-mandated minimum liability coverage. Failing to provide it can result in fines, license suspension, or even vehicle impoundment, depending on your state's laws. The process is straightforward: once your policy is active, your insurer will provide you with physical cards in the mail and, almost always, immediate digital access through their mobile app.
The table below outlines the typical consequences for driving without proof of insurance (a "citation") across different scenarios, though penalties vary significantly by state.
| Scenario | Typical Consequences | Notes |
|---|
| First Offense (No Accident) | Fine ranging from $100 to $500, possible license suspension. | Many states offer a chance to dismiss the ticket if you can prove you had valid coverage at the time. |
| Subsequent Offenses | Heftier fines ($500-$1,000+), longer license suspension, possible vehicle impoundment. | Penalties increase sharply with repeat violations. |
| Driving Without Insurance & Causing an Accident | Severe fines, license revocation, lawsuits for damages, personal financial liability. | This is the most serious situation, potentially leading to financial ruin. |
| Providing Proof After a Ticket | Ticket may be dismissed upon payment of a smaller administrative fee. | You typically have a short window (e.g., 30 days) to provide proof to the court. |
| Letting Insurance Lapse | Policy cancellation, higher premiums when you seek new coverage, possible SR-22 requirement. | An SR-22 is a certificate of financial responsibility filed by your insurer, often required for high-risk drivers. |
To get your citation, you simply need to shop for and purchase a policy from a licensed insurer. Compare quotes online, over the phone, or through an independent agent. Once you've paid your first premium, your proof of insurance is instantly available.
