Penalty for driving without insurance by state |
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Penalty for driving without insurance for every state

Suspended licenseYou're putting yourself at risk in more ways than one if you drive without insurance. The lapse in your coverage after driving without insurance will cost you, on average, several hundreds dollars more when you finally get a new policy in place. Additionally, the penalties for driving uninsured vary by state, and more importantly, if you get in an accident, you're on the hook to pay for the damages.

For example, in California, if you drive uninsured and get in an accident, you could lose your license for up to four years, whether or not the accident was your fault. After a year, you may be able to get your license back if you get insurance, provide proof to the motor vehicle department and pay a reinstatement fee. Bear in mind you will also be required to file an SR-22 form to show proof of financial responsibility. You are also responsible for all the costs associated with the accident. Even if the other driver has uninsured motorist coverage and his insurer compensates him, his insurance company will likely sue you to recover its costs. This means you could lose your assets and home if the cost of the damage exceeds the amount of money you can pay.

Even if you are lucky enough to avoid an accident while driving without car insurance, in many states your registration and license will be revoked if you are cited, you have to pay a fine and your car may be impounded. Rather than driving without insurance, consider buying the cheapest car insurance you can get. This would be the minimum liability insurance requirement in your state to drive legally. In some states, minimum coverage costs less than $400 a year.

Here are state car insurance laws pertaining to uninsured motorists penalties and fines:

StateFine amount Jail timeRegistration suspensionLicense suspensionConfiscate platesImpound carPointsSR-22
AlabamaUp to $500 Yes     
Alaska$500 to $1,00090 days Yes   Yes, if in accident
Arizona$500 minimum YesYes    
Arkansas$500 minimum Yes     
California$100 to $200     Yes  
Colorado$500 minimumCommunity Service Yes  Four points 
Connecticut$100 to $1,00090 daysYesYes    
Delaware$1,500 to $2,000  YesYesYes   
D.C.Up to $500 fine90 daysYes Yes   
Florida$30 fine  YesYesYes  Yes
Georgia$200 to $1,0001 yearYesYes   Yes
Hawaii$500  Yes   Yes
Idaho$75  Yes   Yes
Illinois$500 to $1,000 YesYes    
IndianaUp to $1,000  Yes   Yes
Iowa$250   YesYes  
Kansas$300 to $1,0006 monthsYesYes    
Kentucky$500 to $1,00090 daysYesYes    
Louisiana$17530 days  YesYes  
Maine$100 to $500 YesYes   Yes
MarylandUp to $1,0006 monthsYes Yes Five points 
Massachusetts$5001 year Yes    
Michigan$200 to $5001 year Yes    
Minnesota$200 to $1,00090 daysYesYes Yes  
Mississippi$500  Yes    
Missouri$30015 daysYesYes  Four points 
Montana$250 to $50010 days      
NebraskaUp to $1,0006 monthsYesYes   Yes
Nevada$600 to $1,000  YesYesYesYes Yes
New HampshireInsurance not normally required Yes Yes    Yes 
New Jersey$300 to $1,000Community Service Yes    
New MexicoUp to $300 Yes Yes   
New York$150 to $1,50015 daysYesYes  Yes  
North CarolinaUp to $1,000  YesYesYes Three points 
North Dakota$150 minimum YesYes**   Yes
Ohio$100  Yes   Yes
OklahomaUp to $25030 days YesYesYes  
Oregon$130 to $1,000 YesYes Yes Yes
Pennsylvania$300 YesYes Yes  
Rhode Island$100 to $500 YesYes   Yes
South Carolina$445 currently YesYesYes  Yes
South Dakota$50030 days Yes   Yes
Tennessee$125 YesYes    
Texas$175 to $350       Yes
Utah$400 YesYes    
Vermont$47 to $622     Two points 
Virginia$500 YesYes   Yes
WashingtonUp to $250  Yes    
West Virginia$200 to $5,000 15 days to 1 yearYesYes    
WisconsinUp to $500 Yes Yes     
WyomingUp to $7506 monthsYesYes    
  • * Class A infraction that allows fines up to $10,000
  • ** Required to obtain duplicate license with notation of  "proof of liability insurance" 
  • Note: Maximum penalties current as of January 2014 and based on research and information given by state governments. 
  • If your license or registration is suspended, be prepared to pay a reinstatement fee of anywhere from $25 to $250.


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1 Responses to "Penalty for driving without insurance for every state"
  1. just D

    okay thank per informqtoined

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