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Q

How long can you go without car insurance before your license is suspended?


A

State laws differ so the amount of time you can go without getting either your license suspended or face other penalties will vary depending upon your specific states laws regarding this issue.

Most states have a system in place where the DMV should be alerted if your insurance is canceled or not renewed and you do not obtain insurance through a new insurance provider or you have a lapse in insurance. In such cases the DMV usually sends a notice to the driver that they believe you do not have the required insurance and if you cannot show proof that you do have the state mandated auto insurance penalties will ensue.

Penalties for having an uninsured car or driving without insurance differ in each state but can include fines, jail time, car impoundment, license suspension, plates and/or registration suspension, etc. It is also a counted as a misdemeanor in many states.

If you do not have insurance it is better to get at least the state required insurance on your vehicle before you are caught by the DMV or stopped by law enforcement and found to be driving without insurance. To get started you can get a car insurance quote for any of the 50 states here with us right now.

Here are the penalties by state:

AL
$500 fine and license suspension -
Penalties are provided for in the law but may not be mandatory for first offenses.

AK
License suspension/revocation -
Penalties are provided for in the law but may not be mandatory for first offenses.

AZ
$250 fine, license suspension

AR
$50-$250 fine

CA
$100-$200 fine

CO
$500 fine

CT
Registration suspension

DE
$1,500-$2,000 fine; six-month license suspension

DC
$300-$500 fine or maximum 30 days jail

FL
License/registration revocation -
Penalties are provided for in the law but may not be mandatory for first offenses.

GA
$200-$1,000 fine, maximum 12 months jail -
Penalties are provided for in the law but may not be mandatory for first offenses.

HI
$500 fine

ID
$75 fine

IL
$500-$1,000 fine

IN
1-year license and/or registration suspension

IA
Removal of license plates/registration receipt, possible impoundment

KS
$300-$1,000 fine, maximum 6 months jail

KY
$500-$1,000 fine and/or up to 90 days in jail

LA
$50 reinstatement fee, confiscation of plates

ME
$100-$500 fine, 30-day license and registration suspension -
Penalties are provided for in the law but may not be mandatory for first offenses.

MD
Up to $1,000 fine and/or 1-year jail -
Penalties are provided for in the law but may not be mandatory for first offenses.

MA
$500-$5,000 fine or maximum 1-year jail -
Penalties are provided for in the law but may not be mandatory for first offenses.

MI
$200-$500 fine or maximum 1-year jail -
Penalties are provided for in the law but may not be mandatory for first offenses.

MN
$200-$1,000 fine, maximum 90-days jail -
Penalties are provided for in the law but may not be mandatory for first offenses.

MS
$500 fine, license suspension

MO
License and registration revocation, $20 reinstatement fee -
Penalties are provided for in the law but may not be mandatory for first offenses.

MT
$250-$500 fine or not more than 10 days in jail

NE
$500 fine -
Penalties are provided for in the law but may not be mandatory for first offenses.
License and registration suspension

NV
Up to $1,000 fine -
Penalties are provided for in the law but may not be mandatory for first offenses.

NH
None

NJ
$300-$1,000 fine, community service, 1-year license suspension

NM
Up to $300 fine, registration suspension -
Penalties are provided for in the law but may not be mandatory for first offenses.

NY
$150-$1,500 fine, maximum 15-days jail

NC
$50 fine, 30-day registration suspension -
Penalties are provided for in the law but may not be mandatory for first offenses.

ND
$150 fine, registration revocation, license suspension

OH
90-day license suspension, $75 reinstatement fee

OK
$250 fine, no more than 30 days jail, license and registration suspension -
Penalties are provided for in the law but may not be mandatory for first offenses.

OR
License suspension and/or revocation -
Penalties are provided for in the law but may not be mandatory for first offenses.

PA
$300 fine, license and registration suspension -
Penalties are provided for in the law but may not be mandatory for first offenses.

RI
$100-$500 fine, up to 3 months license/registration suspension

SC
$100-$200 fine, less than 30 days jail

SD
Up to 1-year license suspension -
Penalties are provided for in the law but may not be mandatory for first offenses.

TN
Up to $100 fine

TX
$175-$350 fine

UT
$400 fine

VT
Less than $100 fine, license suspension -
Penalties are provided for in the law but may not be mandatory for first offenses.

VA
None

WA
$250 fine, community restitution -
Penalties are provided for in the law but may not be mandatory for first offenses.

WV
30-day license suspension, registration revocation, $200-$5,000 fine

WI
License and or registration revocation -
Penalties are provided for in the law but may not be mandatory for first offenses.

WY
Up to $750 fine; up to six months in jail

Thank you to the Insurance Information Instititute for some research information used in this answer. 


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1 Responses to "How long can you go without car insurance before your license is suspended?"
  1. Anonymous

    It was very helpful.

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