State penalties for driving without car insurance |
| Alabama
First offense: 45-day license suspension and/or up to a $500 fine; subsequent offense: up to $1,000 and/or suspension of license up to six months. Alaska First offense: 90-day driver’s license suspension; second offense: one-year driver’s license suspension. Arizona First offense: $250 fine, suspension of license up to three months; second offense within 36 months: mandatory fine of at least $500 and up to six-month suspension of license and registration; third offense within 36 months: mandatory fine of at least $750 and mandatory one-year suspension of license and registration. Arkansas First offense: $50 to $250 fine; second offense: $250 to $500 fine; subsequent offense: $500 to $1,000 fine and/or one year in jail. California First offense: $100 to $200 fine; subsequent offense within three years: $200 to $500 fine. Judge must impose greater fines if defendant fails to provide proof of insurance in court. Colorado First offense: $500 fine; subsequent offenses: $1,000 fine; sentence of up to 40 hours of community service also possible. Connecticut First offense: $35 fine; subsequent offenses: $50 fine. Delaware First offense: mandatory fine of $1,500 to $2,000 and license suspension for six months; subsequent offenses: $3,000 to $4,000 fine and six-month suspension of license and registration. District of Columbia First offense: $300 to $500 fine; subsequent offenses: $500 to $2,000 fine and/or up to 90 days in jail. Florida Suspension of registration and driver’s license if you fail to provide proof of insurance in court. Georgia $200 to $1,000 fine and/or up to one year in jail; suspension of registration until proof of insurance is provided and fees are paid. Hawaii First offense: $500 fine; subsequent offense: $2,500 fine; judge may suspend first offense fine and order community service at request of defendant. Idaho First offense: $75 fine; subsequent offenses: up to $1,000 fine and/or up to six months in jail. Illinois $500 to $1,000 fine and three-month driver’s license suspension. Indiana First offense: Court may suspend driver’s license or vehicle registration for one year; subsequent offenses within five years: suspension of driver’s license for one year. Iowa Citation and removal of license plates and registration receipt, possible impoundment of vehicle. Kansas First offense: $300 to $1,000 fine and/or up to six months in jail; subsequent convictions within three years: $800 to $2,500 fine; penalties may include driver’s license suspension and revocation of vehicle registration. Kentucky First offense: $500 to $1,000 fine and/or 90 days in jail; subsequent offenses within five years: $1,000 to $2,500 fine and/or 180 days in jail. Louisiana First offense: license plate impoundment and $50 reinstatement fee; second offense: $150 fine; subsequent convictions: $500 fine. Maine $100 to $500 fine and 30-day license and registration suspension. Maryland Registration suspension and $150 fine per vehicle without insurance for one to 30 days; after that, fine increases by $7 per day; maximum penalty of $2,500 for 12-month period. Massachusetts Up to $500 fine if no previous conviction or finding; otherwise $500 to $5,000 fine and/or up to one year in jail. Michigan $200 to $500 fine and/or up to one year in jail. Minnesota First offense: $200 to $1,000 fine and/or up to 90 days in jail; subsequent conviction within 10 years: $200 to $3,000 fine and/or up to one year in jail. Mississippi $500 fine and up to one-year license suspension. Missouri Suspension of driver’s license or assessment of four points on driver’s license. Montana First offense: $250 to $500 fine and/or 10 days in jail; second offense in five years: $350 fine and/or 10 days in jail, surrender and suspension of registration and license plates until proof of compliance is furnished; third or subsequent offense within five years: $500 fine and/or up to six months in jail, surrender and suspension of registration of license plates until proof is furnished; fourth offense: surrender and suspension of driver’s license. Nebraska Driver’s license suspension. Nevada Up to $1,000 fine; civil penalties of $600 to $1,000, suspension of license and registration. New Jersey First offense: $300 to $1,000 fine, community service and forfeiture of the right to operate a motor vehicle for one year; subsequent convictions: 14 days in jail and forfeiture to operator motor vehicle for two years, up to $5,000 fine and 30 days community service. New Mexico Up to $300 fine and registration suspension. New York $150 to $1,500 fine and/or up to 15 days in jail, plus $750 civil penalty. North Carolina First offense: $50 fine and revocation of vehicle registration of 30 days; second offense within three years: $100; third offense: $150. North Dakota First offense: minimum $150 fine and revocation or suspension of registration until proof of insurance is provided; subsequent offense within 18 months: minimum $300 fine. Ohio First offense: revocation of registration, $75 fine and three-month driver license suspension; second offense in five years: one-year license suspension; subsequent violations: two-year license suspension. Oklahoma Up to $250 fine and/or up to 30 days in jail; suspension of driving privileges until reinstatement fee is paid and proof of insurance furnished. Oregon License suspension or registration revocation. Pennsylvania $300 fine, three-month suspension of driver’s license and registration. Rhode Island First offense: $100 to $500 fine and up to three-month license and registration suspension; second offense: $500 fine and up to six-month suspension; third and subsequent offense: $1,000 fine and up to one year suspension. South Carolina First offense: $100 to $200 fine or up to 30 days in jail; second offense within five years: $200 fine and/or 30 days in jail; third or subsequent offense within five years: 45 days to six months in jail. South Dakota 30-day to one-year driver’s license suspension. Tennessee Up to $100 fine. Texas First offense: $175 to $350 fine; subsequent offenses: $350 to $2,000 fine. Utah First offense: $400 fine; subsequent offense within three years: $1,000 fine and driver’s license suspension until proof of insurance furnished. Vermont $100 fine and driver’s license suspension until supplying proof of insurance. Virginia Driver license and vehicle registration suspension. Washington Up to $250 fine or community restitution. West Virginia First offense: $200 to $5,000 fine, 30-day driver’s license suspension, revocation of vehicle registration until proof of insurance provided; subsequent offense: $200 to $5,000 fine and/or 15 days to one year in jail. Wisconsin Up to $5,000 fine. Information from PCI Insure.com research |