How Much Is The Fine For Driving Without Insurance?

Updated 3 days ago
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The fine for driving without insurance is between $500-$2000. You may also face other penalties depending on what state you're in, including losing your license and registration. Worst case scenario? You face all the above, plus car impoundment and jail time.

What happens if I am caught driving without insurance?

The best-case scenario if you're caught without this coverage? You pay a hefty fine.

Depending on what state you're in, you face different penalties and fees.

If you can't provide proof of liability insurance, the potential penalties are as follows:

  • A fine
  • License suspension
  • Registration suspension
  • Vehicle impoundment
  • Imprisonment

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The fine for driving without insurance

The fine amount for first-time offenders is between $500-$2000. Certain states require you to pay an extra surcharge of $250 to the DMV. They also rule that you serve at least $1000 worth of community service.

License and registration suspension

Some states impose harsher penalties in addition to a fine, including stripping you of your license and registration. The duration of this suspension is between 3-6 months, depending on your state's laws.

You're not allowed to buy, drive, or own another vehicle for this period of time. Once your suspension is over, you pay an additional fee to have your license and registration reinstated.

Car impoundment

In states, such as Louisiana, your car is impounded on your first offense. The duration of this impoundment depends on your state's laws and restrictions, but on average it's between 3-6 months.


Whether it's your first or second offense, some states take driving without insurance extremely seriously and you face jail time. The duration of your imprisonment if you're caught driving without proof auto insurance depends on your state, but on average its between 10 days to 6 months.

Over and above this, you also face the other penalties, such as a fine, car impoundment, registration, and license suspension.

Second-time caught driving without insurance

If you've already been caught driving without insurance once before, your punishment the second-time around is much harsher, including:

  • Fine amount doubling
  • License and registration are stripped
  • Jail time is mandatory

3 things to consider about driving without insurance

  • If caught, your driving record maintains a large blemish that leads to skyrocketing premiums.
  • If you get into an accident without insurance, your state's punishments are even harsher. You're charged for your offense of driving without insurance and you face penalties for the accident, too. Your license is taken away, and you face jail time.
  • The fees start to add up as you pay for your license and registration reinstatement, your surcharge to the DMV, possible impoundment fees and bail.

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