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Just as every state varies on its liability insurance or other financial responsibility requirements for drivers, every state also varies on its penalties for driving without meeting those requirements.
However, one thing’s for certain: Driving without insurance or proof that you’ve met your state’s financial responsibility requirements brings steep and pricey repercussions.
Common Penalties for Driving Without Insurance
As stated above, penalties for driving without insurance vary from state to state; however, a few of the most common penalties include:
 Having your driver’s license suspended.
 Having your vehicle registration suspended.
 Receiving a traffic ticket for a no insurance violation. This is in addition to the traffic ticket(s) you receive for the original reason you were pulled over.
 Depending on the officer and where you receive the ticket, you might be able to have the ticket dismissed if you can show proof of insurance within a certain time period following the date of the citation; however, this generally only applies if you really did have coverage at the time of the traffic stop and just happened―for whatever reason―to not have your insurance card with you.
 Meeting SR-22 requirements.
 Some states might only impose this if you cause an accident while driving without insurance; others may impose it simply for driving uninsured.
 Hefty fines. In addition to meeting other requirements, you’ll have to pay to have your license and registration reinstated. Plus, you’ll have to cover the traffic ticket fines.
 Increased future insurance premiums.
Keep in mind, these are just a few of the most common penalties for driving without current car insurance. Check with your state’s DMV for specific details.
The Cost of an Accident for an Uninsured Driver
While the legal penalties are very serious when it comes to driving without car insurance you face even greater risk when you've been in an accident.
If you cause damage or injury to yourself you obviously face the cost of dealing with those, and they can be high. However, if you were to cause injuries or property damage to another person(s), you could be held liable for those costs. The other driver can sue you for damages.
If you don't have the amount of money to cover their costs, your assets could be taken, e.g., your home.