State Penalties For Uninsured Drivers

December 13th, 2010

In the United States there are minimal insurance requirements set by individual states. Many states require proof of insurance to register a motor vehicle or to obtain a drivers license. Although, requirements and regulations are in place, millions of Americans are driving without any form of insurance.

Based on the current unemployment rates, the percentages of uninsured motorists are expected to rise from 13.8 in 2007 to 16.1 by the end of 2010, according to the Insurance Research Council. The magnitude of uninsured drivers varies from state to state with each state having individual motor vehicle insurance requirements. If someone is injured in an automobile accident, there is a one in seven chance the at-fault driver is uninsured.

Rates of uninsured drivers increase annually possibly due to the impaired economic times. Many motorists without insurance are aware of the laws but simply can’t afford to purchase insurance for their vehicles. Transportation is a essential part of everyday in American and many can not let lack of insurance stop them from getting to work to feed their children.

Unfortunately, many uninsured drivers cannot afford to purchase insurance therefore cannot afford to pay another individual in the event of an accident.

So, what are the potential risks of driving your vehicle without proper insurance coverage?

Each state has defined regulations and laws for driving. A form of car insurance is required in all states, except New Hampshire. For those who are caught driving without insurance usually result in a traffic infraction and are issued a fine of not less than $100 and can be as high as $5,000. Along with a heavy fine, many states suspend driver’s licenses and vehicle registration. Fines and term of suspension increase with each offense of driving without insurance.

To help ensure your safety and the safety of others on the roadways, has developed an online comparison-shopping website that allows you to search multiple insurance companies.

For more specific state laws on insurance contact your state Department of Motor Vehicles.

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