So you were unable to provide a police officer proof of car insurance. What kind of penalty can you anticipate? What is the cost of a ticket if you don’t have proof of insurance? Are there any other consequences, such as points, for driving without proof of insurance? Today, we’ll go over everything you need to know about getting a ticket if you don’t have proof of insurance.
What is the cost of a ticket for driving without car insurance?
The penalties for driving without proof of insurance differ by county and state. Driving without proof of car insurance is one thing (for example, if you forgot your insurance card at home), but driving without actual insurance coverage is quite another (and more serious).
If you can’t show proof of insurance but are able to submit proof of car insurance within 14 to 30 days, you can expect a fine of $25. This fine implies that you can show confirmation that you were insured on the date you were pulled over within a short amount of time.
Alternatively, some drivers cannot present proof of car insurance when stopped but will obtain insurance shortly. If you were uninsured when you were pulled over and later purchased car insurance, you could expect to pay a fine of $150 to $200.
What’s the most severe punishment for driving without insurance?
Finally, the most severe punishment – if you cannot present evidence of insurance when pulled over and fail to provide proof of car insurance in the future, you can expect to face a fine ranging from $225 to $2000, depending on the state.
10 states with the stiffest penalties for driving without car insurance
|Alabama||$500 first offense
$1000 second offense
|Arizona||$500 first offense
$750 for second offense
$1000 for each subsequent offense
|Colorado||$500 first offense
$1000 for second offense
$1000+ for each subsequent offense
|Delaware||$1500-$2000 first offense
$3000-$4000 for each subsequent offense
|Hawaii||$500 first offense
$1500-$5000 for second offense
|Illinois||$500 first offense
$1000 each subsequent offense
|Kansas||$300-$1000 first offense
$800-$2500 for each subsequent offense
|Kentucky||$1000 first offense|
|Louisiana||$500-$1000 first offense|
|Maryland||$1000 first offense
$2000 for each subsequent offense
To know more about the penalties for driving without car insurance by state, click the links below:
- Rhode Island
- New Mexico
- West Virginia
- North Carolina
- South Carolina
The real cost of not having car insurance
According to the Insurance Information Institute, the average percentage of uninsured drivers in the United States in 2015 was 13%. Driving without car insurance carries a great risk and cost. Supplementary expenses accompany many ticket fines. You could pay more in fines for a single infraction than you would for a year’s worth of car insurance.
For example, you could receive a ticket for driving without car insurance and be fined $1,000. Your state, on the other hand, may suspend your license plates and vehicle registration. You may have to pay additional fees to drive again if you want to reactivate these.
In a state like Virginia, where the average yearly cost of auto insurance is $785.60, it is less expensive to simply purchase car insurance and keep proof of it on hand at all times.
Furthermore, suppose you get caught driving without car insurance. In that case, insurance companies may classify you as a high-risk driver and raise your auto insurance cost, making it more difficult for you to obtain an affordable rate.
In conclusion, always carry proof of insurance while you are on the road. To know more about the documents, you must have in your car at all times, head here.
Having car insurance will not only keep you and your car covered in the event of an accident but also make sure your insurance rates remain affordable in the years to come. To start our search for the best car insurance policy for your needs, tap the banner below.
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