What's Your Vehicle Registration Schedule?
In the Philippines, vehicle registration and CTPL insurance go hand in hand because a valid Compulsory Third Party Liability (CTPL) policy is a mandatory requirement for registering or renewing any motor vehicle with the Land Transportation Office (LTO). CTPL provides coverage for bodily injury or death caused to third parties in accidents involving the insured vehicle, ensuring financial protection for victims. Since CTPL is valid for one year, it must be renewed simultaneously with annual vehicle registration, which is scheduled based on the vehicle’s plate number. In short, you cannot register or renew your vehicle without first securing CTPL insurance.
LTO Vehicle Registration Schedule in the Philippines
Each year, the Land Transportation Office (LTO) assigns vehicle registration renewal dates based on the last digit of your license plate number. This system helps spread out registration traffic throughout the year and ensures a smooth process for all motorists.
Annual Registration Schedule
The last digit of your plate number determines which month you need to renew your registration:
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1 → January
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2 → February
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3 → March
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4 → April
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5 → May
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6 → June
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7 → July
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8 → August
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9 → September
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0 → October
If your vehicle’s plate ends with:
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1, you renew every January.
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0, you renew every October — the last regular month for annual renewals.
For November and December, the LTO often uses these months as grace periods or catch-up windows for those who missed their scheduled month.
Quick Notes
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You can renew up to two months before your assigned month to avoid long queues and penalties.
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Brand-new vehicles are initially registered for three years, after which annual renewal applies.
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Failing to renew on time may result in fines or additional charges.
