Penalty for Driving Without Car Insurance (Updated 2026)

24/11/2025

547

Driving without valid vehicle insurance is a common violation that exposes drivers to fines and unnecessary legal risks. Below is a complete, SEO-optimized guide to the latest regulations, penalties, and insurance requirements in Vietnam.

CONTENTS

What is the violation of not having car insurance?

This violation occurs when a driver or vehicle owner:

Does not purchase compulsory insurance
Uses expired insurance
Fails to carry a valid Compulsory Motor Third-Party Liability Insurance Certificate
Presents a damaged or invalid insurance document

In short, any situation where the required insurance is absent or not valid at the time of inspection is considered a violation.

Mandatory types of vehicle insurance:

Compulsory Third-Party Liability Insurance: This is the only mandatory insurance for all cars and trucks. It covers bodily injury and property damage caused to third parties in traffic accidents.
Passenger Liability Insurance: Applies to vehicles used for passenger transport business.

Other types such as vehicle body insurance or cargo insurance are voluntary.

Lỗi vi phạm không có bảo hiểm xe

Latest penalty for not having car insurance

Latest penalty for not having car insurance (Updated 2026)

According to Decree 168/2024/NĐ-CP, Article 18, Clause 4 (Points b and c), effective from January 1, 2025: Drivers of cars or trucks who do not have or do not carry valid compulsory insurance will be fine: 400,000 – 600,000 VND

When can your vehicle be temporarily impounded?

If a driver cannot present valid compulsory insurance during inspection, authorities may temporarily detain the vehicle in certain cases:

To verify violation details
To ensure enforcement of the administrative penalty
In situations involving traffic accidents

This is not an additional punishment, but an administrative measure to support enforcement.

Mức phạt lỗi không có bảo hiểm xe

Latest penalty for not having car insurance

Why vehicle insurance is important

Vehicle insurance—especially compulsory third-party liability insurance—plays a crucial role:

Protects vehicle owners financially: Covers compensation for third-party injuries and property damage
Ensures victims’ rights: Provides financial support for treatment and recovery
Reduces legal and financial risks: Helps avoid large out-of-pocket expenses
Promotes compliance: Prevents fines and administrative penalties
Supports social stability: Minimizes disputes and financial burdens caused by traffic accidents

Additional policies such as vehicle body insurance or driver accident insurance further protect assets and personal safety.

Tầm quan trọng của bảo hiểm xe

Why vehicle insurance is important

Current compulsory insurance premiums in Vietnam

According to Appendix I – Decree 67/2023/NĐ-CP:

Type of car	Insurance premium (per year)
Non-commercial cars
Under 6 seats	437,000 VND/year
6–11 seats	794,000 VND/year
12–24 seats	1,270,000 VND/year
Over 24 seats	1,825,000 VND/year
Pickup/minivan	437,000 VND/year
Commercial passenger vehicles
Under 6 seats (as registered)	756,000 VND/year
6 seats (as registered)	929,000 VND/year
7 seats (as registered)	1,080,000 VND/year
8 seats	1,253,000 VND/year
9 seats	1,404,000 VND/year
10 seats	1,512,000 VND/year
11 seats	1,656,000 VND/year
12 seats	1,822,000 VND/year
13 seats	2,049,000 VND/year
14 seats	2,221,000 VND/year
15 seats	2,394,000 VND/year
16 seats	3,054,000 VND/year
17 seats	2,718,000 VND/year
18 seats	2,869,000 VND/year
19 seats	3,041,000 VND/year
20 seats	3,191,000 VND/year
21 seats	3,364,000 VND/year
22 seats	3,515,000 VND/year
23 seats	3,688,000 VND/year
24 seats	4,632,000 VND/year
25 seats	4,813,000 VND/year
Above 25 seats	4,813,000 + 30,000 × (number of seats – 25)
Cargo trucks
Under 3 tons	853,000 VND/year
3–8 tons	1,660,000 VND/year
8–15 tons	2,746,000 VND/year
Over 15 tons	3,200,000 VND/year
Special cases
Driving training vehicles	120% of standard premium
Taxi	170% of equivalent passenger vehicle premium
Special purpose vehicles (For example: Ambulance)	Adjusted depending on category (e.g., 120% of pickup/minivan rate)

Conclusion

Driving without valid insurance is a simple but costly mistake. It can result in fines, vehicle detention, and significant financial risk in case of an accident.

To stay compliant and protected: