Do I Need Insurance on a Car with Planned Non-Operational Status in California?
Let’s say your car is taking a long break- maybe it’s a project car you’ll restore someday or just an extra vehicle that’s off the road for now. So, the big question: Do you still need to keep insurance on it if you file a Planned Non-Operational (PNO) status with the DMV?
The Short Answer: No, But Keep Reading
When you file a Planned Non-Operational (PNO) status with the California DMV, you are letting the state know that your vehicle won’t be driven, towed, or parked on any public roads during that registration year.
Once your vehicle is officially marked as non-operational:
- Auto insurance is no longer legally required. Check out other helpful Auto insurance-related articles here.
- You can remove the vehicle from your insurance policy altogether.
- Or, you can choose to keep Comprehensive-only coverage (more on that below).
Important:
This only applies to vehicles registered in California. If you are in a different state, check with your local DMV for specific rules.
Should You Keep Any Insurance on a Non-Operational Car?
Even if you are not legally required to carry insurance, it’s worth thinking about your risk tolerance. Cars can still be damaged when they are not in use:
Why Keep Comprehensive-Only Coverage?
Even if your car is tucked away in a garage, driveway, or storage lot, unpleasant surprises can still happen:
- Theft
- Fire
- Falling objects
- Vandalism
- Weather-related events (like hail or flooding)
Comprehensive coverage protects against these types of losses – even when your car is off the road. If you value the vehicle and couldn’t easily replace it, this might be a smart option.
How to File a Planned Non-Operational (PNO) Status
Filing a PNO with the California DMV is pretty simple:
- You can file online, by mail, or in person.
- Make sure you do it before your registration expires to avoid late fees.
- Pay a small PNO fee (as of now, it’s $23).
You’ll receive confirmation from the DMV, and just like that – your vehicle is officially off-duty.
Bonus Tip for Storing Your Non-Operational Vehicle:
Planning to store your car for a while? Disconnect the battery, inflate the tires properly, and consider a cover to keep dust and UV damage at bay. You are welcome 🙂
When You Are Ready to Hit the Road Again
Before you take your car out for a spin:
- Reinstate insurance coverage.
- Pay the standard registration fees to the DMV (you’ll have to remove the PNO status).
Don’t drive the car before doing this! Driving a non-op vehicle without insurance or registration is a fast track to tickets – and a potential mess if an accident occurs.
Final Thoughts
Filing for a Planned Non-Operational status in California means you are off the hook for both registration fees and Auto insurance – at least temporarily. Just make sure you weigh the risks of dropping coverage altogether.
Sometimes, a little Comprehensive can go a long way – especially when Mother Nature (or a nosy raccoon) decides to pay a visit.
