Auto insurance or another type of financial responsibility is required in both Indiana and Illinois. So you would need the required insurance for the state in which the car is registered to drive legally on the roads of both IN and IL.

Illinois Motorist Services states that if you are cited for not having the state mandated insurance on your vehicle then the license plates of first time offenders are suspended until a $100 reinstatement fee and current evidence of insurance are provided.

A person convicted of driving without insurance will get a minimum $500 fine for driving uninsured or a minimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous insurance violation. The license plates of a first time offender are also suspended until a $100 reinstatement fee and current evidence of insurance are provided.

As of July 1, 2007 Illinois increased penalties for those caught driving without car insurance. Illinois Senate Bill 624 suspends the licenses for drivers convicted of driving without car insurance and requires them to pay a $100 fine to reinstate their licenses.

The operator of a vehicle that is without insurance in Indiana is subject to a 90 day license suspension or 1 year suspension if this is a repeat violation of the FR law within 3 years.

Driving without insurance in Indiana is a Class A infraction, unless you have had prior convictions for this violation then it is considered a Class C misdemeanor. Beyond getting your license suspended, the driver of an uninsured vehicle could also be assessed points assessed. The number of points shall be determined by the point study committee based on an evaluation of the situation.

So the penalties you could be facing for lapsed insurance in Illinois and driving without insurance in Indiana are listed above. If you were cited for being an uninsured motorist then contact the court listed on the ticket to find out the possible penalties you are to face. If your car is registered in a different state then where you were ticketed then you should also check with your home state's DMV to make sure your registration and/or license has not been suspended due to your lapse in auto insurance.

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