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.
This violation occurs when a driver or vehicle owner:
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:
Other types such as vehicle body insurance or cargo insurance are voluntary.
Latest penalty for not having car insurance
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
If a driver cannot present valid compulsory insurance during inspection, authorities may temporarily detain the vehicle in certain cases:
This is not an additional punishment, but an administrative measure to support enforcement.
Latest penalty for not having car insurance
Vehicle insurance—especially compulsory third-party liability insurance—plays a crucial role:
Additional policies such as vehicle body insurance or driver accident insurance further protect assets and personal safety.
Why vehicle insurance is important
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) |
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:
Vehicle insurance is not just a legal requirement—it is a critical financial safeguard for you and others on the road.
