What is my state’s penalty for not having car insurace?

The penalty for not having car insurance differs between states. Depending on where you live, you may face jail time, license suspension, and fines up to $1,500 for a first offense.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 31, 2021

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Here's what you need to know...

  • Car insurance or proof of financial responsibility are required in every state
  • The penalties for driving uninsured vary according to the state in which you live
  • Contact your department of motor vehicle to find out the specific insurance requirements

What is the penalty for not carrying auto insurance coverage? There are smart ways to save money on car insurance, but dropping it completely is not one of them.

The penalties for driving without car insurance vary across the United States, ranging from a fine of $500 all the way up to months in jail.

In between, you may find yourself faced with a lot of paperwork to fill out, an impounded car, and even a suspended license.

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What is the penalty for not having car insurance in my state?

The department of motor vehicles in your state will be able to provide you with all the details related to minimum levels of required car insurance as well as the penalty for not having it.

Some states will give first time offenders a slap on the wrist while others reserve the right to suspend a driver’s license upon the first conviction for driving without car insurance.

In Delaware, a conviction for driving without liability car insurance of at least $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $5,000 in property damage liability will get you a fine as high as $1,500 for the first offense and $3,000 for each new conviction within three years.

The punishment in California is more lenient, with fines of up to $500 and the possibility of the impoundment of your vehicle and a suspended license.

Missouri outlines a series of potential repercussions for anyone who fails to furnish proof of insurance to any law enforcement officer requesting it.

The first and most common punishment takes the form of four points added to the driving record of the convicted party.

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How do I avoid a penalty for not having car insurance?

Compare car insurance quotes online to find the most affordable policy that will protect you from the dangers of driving an uninsured vehicle.

Delaying it any further could be the most costly mistake you’ll ever make.

Compare car insurance quotes today!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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