Estimates suggest that over 12% of U.S. motorists are uninsured—despite the fact that proof of insurance is mandatory for drivers in all fifty states. Given the hefty price tag of the average policy, of course, it’s easy to see why going without insurance might be tempting. After all, what’s the worst that could happen if you drive without coverage?
Unfortunately, if you drive your car without insurance—or even if you allow your insurance to lapse without driving your car—you might be at risk for severe consequences. Before you break one of the crucial rules of the road, here’s what to know about driving without coverage.
What Happens If You Drive Without Insurance?
First things first: it’s important to note that the legal requirements for car insurance and the penalties for driving without it will differ from state to state. In other words, you’ll want to know your state’s driving laws before you get behind the wheel—especially if you choose to do so without insurance.
In general, however, most states offer a few specific driving penalties for anyone who takes to the road without paying for the proper coverage.
First-time offenders may need to pay a fine, usually in the amount of a few hundred dollars. However, some states may skip this lighter step in favor of harsher consequences for this driving violation. In many cases, the state will suspend your license and registration in addition to the hefty fine.
Other states may also impound your vehicle. In some states, officers can even tow and impound your vehicle if they don’t catch you driving it: electronic monitoring can tell officers if a registered vehicle doesn’t have current insurance.
Last, but certainly not least, you can receive jail time for driving without insurance. Though this crime is often classified as a misdemeanor, repeat offenses can earn you time behind bars in some cases.
In addition to the consequences above, it’s worth noting that driving without insurance can cost you in other ways as well. If you cause property damage or bodily injury, you may have to pay for this out of pocket—which can be difficult or impossible without the support of an insurance company.
How to Get Affordable Car Insurance
Given the severe consequences above, it’s clear that driving without insurance is never worth the risk. If you own and drive a car, it’s your responsibility to buy insurance for it.
Luckily, there are a few easy ways to get affordable insurance.
Don’t be afraid to shop around, and aim to get at least three quotes before you decide on a policy.
Look for area-specific guides, which can often help you find reputable companies in your region that offer better rates. Illinois car owners, for example, should check out this insurance guide.
In addition, look for programs that offer insurance for low-income earners or for low-risk drivers with a clean driving record. Asking for any discounts that apply to you never hurts!
Follow the Rules of the Road
At the end of the day, driving without insurance isn’t worth it. With the risk of hefty fines and even jail time, not to mention the burden of paying for any damage from an at-fault accident, purchasing car insurance can offer better peace of mind. Be sure to follow the rules of the road, including taking out the right policy, when you get behind the wheel!
Want more of the car and driving tips you need to know? Be sure to take a look at our other auto and motor guides for additional insights.