The Toughest Penalties for Driving Without Car Insurance
By: Good2GoPublished: May 27, 2014
Every state, with the exception of New Hampshire, has mandatory car insurance laws requiring drivers to have some type of car insurance or financial responsibility. And while each state has their own minimum liability requirements, they also have their own penalties if you decide to skip on insurance. Some states will give you slap on the wrist while others will offer more severe forms of punishment. We’ve highlighted the states with the toughest penalties for a first offense when driving without car insurance.
Common penalties for driving uninsured
The most common penalties for driving uninsured in the U.S. include:
- Suspension of driver’s license and/or registration
- Hefty fines, in addition to reinstatement fees and impound fees
- SR-22 insurance documentation (this may vary by state)
- Points on your driving record
- Jail time
- Community service
Most expensive fines for driving uninsured
Below is a map of all 50 states and their respective fines for driving without car insurance. The darker states have the most expensive fines and the lighter states have the least expensive fines. These penalties are for a first offense and drivers may pay up to the dollar amounts listed.
West Virginia by far has the most expensive fine in the U.S. at $5,000, while Alaska, Nebraska, Indiana, Ohio, Florida and New Hampshire do not enforce fines.
Longest period of imprisonment for driving uninsured
In this map, we outline the states that have the longest period of jail time ranging from 10 days to 1 year.
So far, 15 states offer some length of imprisonment for those individuals driving uninsured, with Georgia, Massachusetts, Michigan and West Virginia leading the pack with a 1 year jail sentence.
How to avoid penalties for driving without insurance
According to the Insurance Research Council (IRC), it is estimated that one in seven U.S. drivers do not have car insurance, and as we all know, driving without auto insurance is considered a serious offense in many states. However, drivers continue to use any excuse to not maintain insurance coverage. The most common reasons are: affordability, forgetfulness, or total neglect. No matter the reason, drivers will suffer major consequences. The easiest way to avoid these penalties is to purchase cheap car insurance. Lucky for you, Good2Go specializes in affordable car insurance coverage in addition to collision and comprehensive coverages.
Find out how you can protect yourself affordably with Good2Go.com auto insurance. Get a cheap car insurance quote today.
*Note: Data for maps was provided by the Consumer Federation of America’s January report on Penalties for Driving without Auto Insurance by State.