Driving without car insurance is a serious offense in most states — even if you never cause an accident. It can lead to hefty fines, license suspension, and long-term financial consequences.
Penalties for Driving Uninsured:
- Fines up to $1,000 (varies by state)
- License and registration suspension
- Court fees and reinstatement costs
- Vehicle impoundment
- Points on your driving record
If You’re in an Accident Without Insurance:
- You may be personally liable for all damages
- Can be sued for medical costs and property damage
- In some states, you lose the right to sue even if the other driver was at fault
Repeat Offender Consequences:
- Higher fines
- Longer suspensions
- Possible jail time
- SR-22 insurance requirement
What Is SR-22?
A form filed by your insurer that proves you carry the minimum required coverage — often required for high-risk drivers
Tip: If you can’t afford insurance, shop around for state-sponsored or low-income plans.