Global Privacy Signal Detected
Skip to main content

Pay the Fine or Do the Time: Riskiest States to Drive Without Insurance

Nearly every state requires minimum car insurance coverage to use public roadways legally. Driving without insurance can lead to steep fines, license suspensions, and even jail time, though some states have harsher penalties than others. The following states enforce the most extensive consequences for motorists caught driving without insurance.

Steepest Fine: Delaware 

Delaware charges the steepest fine for driving without insurance at $1,500 for the first offense and $3,000 after that. Convicted uninsured drivers must pay the initial $1,500 fee or $3,000 per every subsequent offense within three years of their last conviction. Offenders also face a license suspension period of six months.

By contrast, driving without insurance in North Carolina incurs a first-offense penalty of only $50. The fee for driving uninsured or on a lapsed policy increases to $100 and $150 for second and third offenses, respectively.

Iowa also charges a much lower fine for driving without insurance than Delaware and offers an alternative to paying the fee altogether. Drivers can pay a $250 fee for violating Iowa’s financial liability requirement law, or if they cannot pay the fine, serve unpaid community service hours instead. 

Longest Driving Suspension: Florida 

In addition to financial penalties, states can impose harsh consequences on drivers who fail to meet the minimum insurance requirements. States often suspend a driver’s license and/or registration to temporarily revoke their (legal) driving privileges if they are caught driving without insurance. 

Florida maintains the nation’s longest driving suspension policy for uninsured drivers. Offenders in Florida may lose their license for up to three years, with no opportunities to apply for a temporary or hardship license during the suspension period. However, Florida is not the only state penalizing uninsured drivers in this way. New Jersey imposes a slightly more forgiving one-year suspension for driving without insurance as a first offense.

By contrast, West Virginia requires a suspension period of only 30 days for driving uninsured. Drivers may show proof of insurance and pay a $200 fee to avoid the 30-day suspension penalty altogether. Second-time offenders in West Virginia receive a 90-day suspension.  

Longest Jail Time: Four-way Tie 

Jail time could potentially be on the table for those who choose to drive without insurance.

The following four states are tied for having the longest sentences, in addition to requiring a variety of other fines, restoration fees, and suspension of the driver’s license and registration for driving uninsured.


Maryland drivers who provide false evidence of vehicle insurance, or claim they have minimum insurance coverage when they do not, can spend up to one year in jail. This particular offense can also incur a fee of $1,000. Maryland imposes a lesser penalty for simply driving uninsured (not including the charge of providing false information), consisting of fines, confiscation of license plates and revocation of registration, and restoration fees.   


Massachusetts requires drivers to hold liability coverage, purchase a bond, or pay a security deposit to lawfully operate their vehicle. Drivers who do not meet these requirements must pay a fine of $500-$5,000 and may face up to a year in jail. Additionally, drivers convicted of operating their vehicle without any form of liability coverage can face a suspension period between 60 days and one year. 


The penalty of jail time for driving without insurance in Michigan applies to all drivers. The state specifies that non-resident drivers and operators of cars not registered in Michigan may not drive the car for more than 30 days unless they pay for continued auto insurance coverage. Failure of registered and non-registered drivers to purchase insurance or show evidence of coverage can result in a misdemeanor offense and carry an incarceration period of one year. 

West Virginia 

Providing fraudulent insurance information in West Virginia can lead to a conviction that carries a one-year jail sentence. Additional penalties in West Virginia for this offense include a mandatory driver’s license suspension of 90 days, suspension of vehicle registration, and a fine of up to $1,000. Drivers may also owe a reinstatement fee and be summoned to appear in traffic court to resolve the offense.  

How to Avoid All of This? Keep On Top of Your Car Insurance 

Securing the right coverage to meet your state’s insurance minimums is the only way to avoid unnecessary fines, suspension of your license and registration, and jail time. Each state maintains vastly different policies regarding penalizing drivers for failing to maintain financial liability. Get started with our helpful guide before exploring the minimum insurance liability requirements in your state. 

Beyond mere compliance, the benefits of auto insurance cannot be overstated. Insured drivers are protected from paying out-of-pocket for damages caused by an accident after they meet their deductible. Drivers and passengers also enjoy protection from exorbitant medical bills for accident-related injuries, hospitalization, or death. Further, most lenders who offer auto financing include insurance as a requirement. 

Auto insurance can also help cover legal fees, rental car fees, and the cost of replacing your car if it is totaled in an accident. Some policies include protection against non-collision events, such as an act of nature, that can damage your vehicle. It’s easy to avoid the risk of penalties by purchasing your own affordable auto insurance policy.

Find an auto insurance policy that meets your needs.

Get a quote

Find an auto insurance policy that meets your needs.

Get a quote