Driving without car insurance might save money short-term, but it can lead to serious legal and financial consequences. Every state (except New Hampshire and Virginia) requires drivers to carry minimum liability insurance.
Consequences of Driving Uninsured:
- Fines (ranging from $100 to $5,000)
- License suspension
- Vehicle impoundment
- SR-22 requirement (proof of future coverage)
- Jail time in some states (for repeat offenses)
If You Cause an Accident While Uninsured:
- You are personally responsible for all damages
- The other party may sue you directly
- Your wages or assets could be garnished
- You may face criminal charges
Caught Without Insurance but No Accident?
You’ll still likely face:
- Immediate ticket
- Points on your license
- DMV penalties
- Increased future insurance rates
What You Can Do:
- Look into state minimum coverage plans
- Explore low-income assistance programs
- Avoid driving until you’re properly insured
Tip: Insurance protects not just your wallet — but your freedom and future.