3 Reasons Why Being Unsinured is Bad for Drivers

The three reasons why being uninsured is bad for drivers are: 1) insurance is the law, and breaking this law can lead to loss of driving privileges, 2) you will be responsible for paying for injuries and damages of out pocket in an accident, and 3) your insurance rates will be higher when you do apply for coverage. Uninsured drivers can find affordable coverage right here with our free insurance quote comparison tool below.

Free Insurance Comparison

 Secured with SHA-256 Encryption

Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

Full Bio →

Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Car insurance is not an option, it is a necessity. If you have doubts about whether you need coverage, take a look at these three reasons why being uninsured is bad for drivers.

If the fact that being uninsured could cost you your driving privilege does not convince you to buy it, perhaps the threat of financial ruin will have a greater impact.

Three Reasons Why Being Uninsured is Bad for Drivers:

1. Insurance is the law.

All states require some form of insurance, and may suspend your license or revoke the vehicle tag if you do not have coverage. Since many states require insurance  companies to notify them of dropped coverage, it is difficult to get away with having proper insurance, and carries fines along with the possibility of having your driver license or vehicle registration suspended or revoked.

2. You are responsible for injuries and damages.

The average driver could be financially devastated by the out of pocket costs without coverage, especially if more than one person was injured seriously and you are at fault in the accident. Even the minimum coverage required by most state laws is not sufficient to completely protect you against all claims, but it is far superior to having no coverage at all. You are not relieved of responsibility for the accident by not having insurance; you are only making it more difficult for you financially.

3. You could be penalized, and have to pay more for coverage.

If you are convicted of driving without insurance, you may be required to carry an SR-22 certificate of financial responsibility for 1 to 5 years, pay court costs and other citations associated with the case. Multiple convictions include higher fines as well as jail time. Additionally, each time you are convicted of such a violation, the risk to insure you increases, resulting in higher premiums.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption