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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:

State Fine amount  Jail time Registration suspension License suspension Confiscate plates Impound car Points SR-22
Alabama Up to $500   Yes          
Alaska $500 to $1,000 90 days   Yes       Yes, if in accident
Arizona $500 minimum   Yes Yes        
Arkansas $500 minimum   Yes          
California $100 to $200          Yes    
Colorado $500 minimum Community Service   Yes     Four points  
Connecticut $100 to $1,000 90 days Yes Yes        
Delaware $1,500 to $2,000    Yes Yes Yes      
D.C. Up to $500 fine 90 days Yes   Yes      
Florida $30 fine    Yes Yes Yes     Yes
Georgia $200 to $1,000 1 year Yes Yes       Yes
Hawaii $500     Yes       Yes
Idaho $75     Yes       Yes
Illinois $500 to $1,000   Yes Yes        
Indiana Up to $1,000     Yes       Yes
Iowa $250       Yes Yes    
Kansas $300 to $1,000 6 months Yes Yes        
Kentucky $500 to $1,000 90 days Yes Yes        
Louisiana $175 30 days     Yes Yes    
Maine $100 to $500   Yes Yes       Yes
Maryland Up to $1,000 6 months Yes   Yes   Five points  
Massachusetts $500 1 year   Yes        
Michigan $200 to $500 1 year   Yes        
Minnesota $200 to $1,000 90 days Yes Yes   Yes    
Mississippi $500     Yes        
Missouri $300 15 days Yes Yes     Four points  
Montana $250 to $500 10 days            
Nebraska Up to $1,000 6 months Yes Yes       Yes
Nevada $600 to $1,000    Yes Yes Yes Yes   Yes
New Hampshire Insurance not normally required   Yes  Yes        Yes 
New Jersey $300 to $1,000 Community Service   Yes        
New Mexico Up to $300   Yes   Yes      
New York $150 to $1,500 15 days Yes Yes    Yes    
North Carolina Up to $1,000    Yes Yes Yes   Three points  
North Dakota $150 minimum   Yes Yes**       Yes
Ohio $100     Yes       Yes
Oklahoma Up to $250 30 days   Yes Yes Yes    
Oregon $130 to $1,000   Yes Yes   Yes   Yes
Pennsylvania $300   Yes Yes   Yes    
Rhode Island $100 to $500   Yes Yes       Yes
South Carolina $445 currently   Yes Yes Yes     Yes
South Dakota $500 30 days   Yes       Yes
Tennessee $125   Yes Yes        
Texas $175 to $350              Yes
Utah $400   Yes Yes        
Vermont $47 to $622           Two points  
Virginia $500   Yes Yes       Yes
Washington Up to $250     Yes        
West Virginia $200 to $5,000  15 days to 1 year Yes Yes        
Wisconsin Up to $500   Yes  Yes         
Wyoming Up to $750 6 months Yes Yes        
* 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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