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Driving without insurance is against the law — find an affordable policy and avoid fines today!
An active car insurance policy is legally required in order to drive your vehicle. If you're caught driving without proof of insurance, you could face stiff penalties, varying by state. Potential consequences of driving without insurance include a costly ticket, license suspension, a lack of financial protection in the event of an accident, and even denial of insurance coverage if you’re involved in a wreck and deemed not-at-fault. Let’s break down what happens if you are pulled over with no insurance.
Excluding New Hampshire, every state will ticket you for driving without insurance. While the monetary penalty will vary, it ranges from $25 in Tennessee to $5,000 in Massachusetts.
|State||Penalty||Average premium with failure to show documents violation|
In some states, it's cheaper to acquire the minimum liability insurance than it is to get a ticket.
License suspension for lack of insurance varies by state. Listed below are the states that will suspend your license for driving without insurance. This punishment is usually coupled with a hefty fine.
Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, and Wyoming. In essence, 44 of the 49 states that require car insurance will suspend your driver's license if you're caught without proof of insurance.
You don't need to drive your vehicle to face the consequences of lapsed auto insurance. Currently, 22 states electronically monitor whether registered vehicles are currently insured. If you’re caught with a registered-but-uninsured vehicle, you will be fined.
If you’re caught driving without insurance, it will be up to the officer's discretion whether or not to tow your vehicle. Because car insurance is legally required, a police officer would be within their rights to tow your vehicle. In this case, you would face impound fees in addition to other penalties.
Unless you are involved in an accident without insurance, fines, license suspension, and auto impound will be the extent of your penalties. You would be unlikely to receive jail time after a first-time driving without insurance offense. Things get more costly if you're involved in an accident while uninsured.
Being involved in an at-fault crash as an uninsured motorist is a very serious situation that would likely result in you being designated as a high-risk driver in the eyes of an insurance company — even if it's your first offense. If you get into an at-fault accident and you do not have insurance, you will most likely be sued for bodily injury or property damage (sometimes both), ranging from few hundred bucks to hundreds of thousands of dollars, depending on the severity of the incident.
This varies by state and situation. Some states have what’s called a “no pay, no play” law, limiting the compensation you can receive after a not-at-fault accident if you’re uninsured. In Louisiana, on the other hand, you will receive no compensation after an accident if you’re uninsured, regardless of fault.
If fault is difficult to determine, having an insurance company your side is beneficial. A claims adjuster or representative will speak to the other insurance company on your behalf and pursue funds to restore your vehicle to its pre-accident condition. Without insurance, you are on your own after an accident and all the financial responsibility will fall on you.
At the end of the day, the consequences of driving without proof of insurance and therefore not meeting insurance requirements will be more costly than purchasing state-minimum liability coverage. Below are cheap car insurance rates for minimum coverage.
|Company||Average 6-month premium for liability-only|
While these insurance premiums are just estimates and may considerably change based on where you live, use this data as a starting point. The best way to find cheap insurance if you’re uninsured is to assess as many companies as possible.
If you’re an uninsured driver, enter your ZIP code below to see how cheap car insurance can be in your state.
|Alaska||Passive monitoring||$500/license suspension|
|Arizona||Active monitoring||$500-$1,000/license suspension|
|California||Active monitoring||$100-$200/license suspension|
|Colorado||Active monitoring||$500/license suspension|
|Connecticut||Active monitoring||$50-$200/License suspension|
|Delaware||Passive monitoring*||$1,500-$3,000/license suspension|
|Florida||Active monitoring||$150-$500/license suspension|
|Georgia||Active monitoring||$25-$185/license suspension|
|Hawaii||Passive monitoring||$500-$5,000/license suspension|
|Idaho||Passive monitoring||$75-$1,000/license suspension|
|Illinois||Passive monitoring *||$500-$1,000/license suspension|
|Indiana||Passive monitoring||$250-$1,000/license suspension|
|Iowa||Passive monitoring||$250/license suspension|
|Kansas||Passive monitoring||$1,000-$2,500/license suspension|
|Kentucky||Active monitoring||$1,000/license suspension|
|Louisiana||Active monitoring ***||$100-$700|
|Maine||Passive monitoring||$100-$500/license suspension|
|Massachusetts||Passive monitoring||$500-$5,000/license suspension|
|Michigan||Passive monitoring||$200-$500/license suspension|
|Minnesota||Passive monitoring||$200-$3,000/license suspension|
|Mississippi||Passive monitoring **||$500/license suspension|
|Missouri||Passive monitoring *||$500/license suspension|
|Montana||Passive monitoring||$250-$500/license suspension|
|Nebraska||Passive monitoring||$50/license suspension|
|Nevada||Active monitoring||$250-$1,000/license suspension|
|New Hampshire||Passive monitoring||License suspension only after accident|
|New Jersey||Active monitoring||$300-$5,000/license suspension|
|New Mexico||Active monitoring||$300-$1,000|
|New York||Active monitoring||$150-$1,500/license suspension|
|North Carolina||Active monitoring||$50-$150/license suspension|
|North Dakota||Passive monitoring||$150-$5,000/license suspension|
|Ohio||Passive monitoring *||$160-$660/license suspension|
|Oklahoma||Active monitoring||$250/license suspension|
|Oregon||Passive monitoring *||$130-$1,000/license suspension|
|Pennsylvania||Active monitoring||$300/license suspension|
|Rhode Island||Passive monitoring *||$100-$1,000/license suspension|
|South Carolina||Active monitoring||$100-$550/license suspension|
|South Dakota||Passive monitoring||$100-$500/license suspension|
|Tennessee||Active monitoring||$25-$300/license suspension|
|Texas||Active monitoring||$175-$4,000/license suspension|
|Utah||Active monitoring||$400-$1,000/license suspension|
|Vermont||Passive monitoring||$0-$500/license suspension|
|Virginia||Active monitoring||$500/license suspension|
|Washington||Passive monitoring||$450-$1,000 license suspension|
|West Virginia||Active monitoring||$200-$5,000/license suspension|
|Wisconsin||Passive monitoring||$510/license suspension|
|Wyoming||Passive monitoring||$250-$1,500/license suspension|
*Designates a state that uses random auditing of vehicles registered in that particular state to monitor compliance with insurance laws.
**Legislation is pending for July of 2017 which will create a database for insured vehicles that will be actively monitored by the state.
***Restricts uninsured drivers’ rights to seek compensation, regardless of fault, after an accident.