What are the penalties for driving without insurance? I know someone that got pulled over for the 3rd time in 10 yrs and he didn’t have insurance. What will happen?

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Asked June 22, 2010

1 Answer


There are a range of penalties associated with driving without insurance. The penalties might be a fine of less than $100, or as much as $500, and are subject to include other punishments as well. Your driver license can be suspended or revoked failure to show financial liability, and the license plates on your vehicle can be suspended and removed by the law enforcement officer. Additionally, a few states have made driving without insurance a more serious offense, and you can be arrested on the spot. If the offense requires going before a judge, your friend will probably be held liable for court costs as well, even if adjudication is withheld.

In your friend's case, the ante may be even higher. In some jurisdictions, getting charged with the same offense repeatedly will earn the label of habitual offender. Where your driver license is concerned, that could mean a revocation of your driving privilege for anywhere from 1 year to a permanent revocation, depending on the severity and circumstances involved.

Your friend should also understand that each time they are caught driving without insurance their premiums will increase when they do get insured. In effect, they are driving up the cost of having insurance by failing to take the responsibility that is expected of all drivers. And it only takes being involved in one serious accident to cost your friend more than a lifetime of buying car insurance. No matter how you look at it, your friend is not really saving anything, and is probably costing him/her a lot more in the long run.

Answered June 22, 2010 by Anonymous

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