Nearly every state requires drivers to carry at least minimum liability insurance or prove financial responsibility. Driving uninsured can be costly.
Common penalties
- Fines that increase for repeat offenses.
- License and registration suspension.
- Reinstatement fees.
- Vehicle impoundment in some places.
- Higher insurance rates later, often with an SR-22 requirement.
- Personal responsibility for damage and injuries you cause in an accident.
If you get a ticket
- Get insurance as soon as possible and keep proof.
- Ask the court whether showing proof of insurance reduces or dismisses the ticket. Some courts allow this.
- Respond by the deadline.
- Contact the motor vehicle agency about reinstatement if your license or registration is suspended.
If you cannot afford insurance
Shop around, ask about discounts and compare high-deductible policies. Some states have low-cost insurance programs for eligible drivers. Do not let coverage lapse, since gaps can raise your rate.
If you were hit by an uninsured driver
Your own uninsured motorist coverage may help. See our guide to uninsured and underinsured motorist coverage.
Frequently asked questions
Do I need insurance if my car is parked?
Many states require coverage whenever a vehicle is registered, even if not driven.
What is an SR-22?
A form filed by your insurer proving you carry required coverage. See our license suspension guide.