What are the penalties for driving without insurance?

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Here's what you need to know...
  • Every state determines the penalties for driving without insurance
  • Penalties also depend on the type of violation given such as speeding or DUIs
  • Typical penalties include fines, license suspension, and even jail time

Driving without insurance penalties are based on the state you are driving in and the type of violation you are given for driving uninsured.

The following article will provide more information about penalties that are typical in a driving without insurance situation.

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Types of Violations Given for Driving Without Insurance

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The type of violation you will receive for driving without insurance depends on the state you are driving in, but there are two main violations.

– The First Violation

The first one is driving without proof of insurance. You should always keep proof of valid, current, and paid up insurance in your vehicle.

When a police officer runs the information on your driver’s license, most states have a system that will tell the police officer if you have valid insurance. If the system says that you do have valid insurance, the officer will give you a driving without proof of insurance ticket.

To resolve this type of ticket, you typically just need to show up in court on the court date given to you on your ticket. At that court appearance, bring your proof of insurance. The court may forgive the entire ticket or may have you pay a portion of the total ticket.

– The Second Violation

The other type is a no insurance ticket which means that you are caught driving without any valid insurance.

Driving without valid insurance or proof of ability to pay for damages is illegal in all 50 states, and the consequences for doing so vary greatly from state to state. However, you can count on some typical consequences that seem to be standard no matter what state you are in when you receive your violation.

However, you can count on some typical consequences that seem to be standard no matter what state you are in when you receive your violation.

Typical Penalties for Driving Without Insurance

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The most common penalty for driving without insurance is a monetary fine. Any ticket other than a warning has a fine attached to it.

Another typical penalty for driving without insurance is having your license suspended, generally on top of paying the fine associated with your ticket.

Once your license has been suspended for any period of time, you will be considered a high-risk driver.

The final common consequence for driving without insurance is jail time.

If you receive a ticket for driving without insurance or driving without proof of insurance and you cannot pay the fine, your license will be suspended and you could face jail time.

All of these consequences can be avoided simply by finding and maintaining affordable car insurance.

To get affordable car insurance quotes use the free rate tool provided on this page! Just enter your zip code now.

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