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Penalties for Driving Without Insurance in Every State
The short answer
Driving without the insurance your state requires can bring a fine, a license or registration suspension, reinstatement fees and, in many states, years of proof of insurance such as an SR-22. The table shows what each state's law or agency lists for a first offense; click a state for repeat offenses and sources. Your citation and the court decide what applies to you.
| State | First offense |
|---|---|
| Alabama | Fine up to $500; registration suspended; $200 reinstatement fee |
| Alaska | $500 mandatory fine; at least 90-day suspension after an uninsured accident |
| Arizona | At least $500 civil penalty (court may reduce); privileges suspended or restricted three months |
| Arkansas | Not confirmed on a state source |
| California | $100 to $200 fine plus assessments; possible impound and registration suspension |
| Colorado | License can be suspended; $95 fee and SR-22 for three years |
| Connecticut | $100 to $1,000 fine; license and registration suspended one month |
| Delaware | $1,500 to $2,000 fine; 6-month license suspension |
| District of Columbia | $500 civil fine, up to 30-day license suspension, or both |
| Florida | License and registration suspended; $150 reinstatement fee |
| Georgia | 60-day license suspension; $200 reinstatement fee by mail |
| Hawaii | $500 fine; three-month license suspension or six-month nonrefundable policy |
| Idaho | Infraction with a $75 fine |
| Illinois | Fine over $500 up to $1,000; 3-month license suspension |
| Indiana | Indefinite license suspension; SR-22 for 180 days; $250 reinstatement fee |
| Iowa | $325 fine; plates can be removed or vehicle impounded |
| Kansas | Class B misdemeanor: $300 to $1,000 fine, up to six months jail |
| Kentucky | $500 to $1,000 fine and/or up to 90 days jail; registration revoked |
| Louisiana | $500 to $1,000 fine; vehicle impounded and plate removed |
| Maine | Infraction: $100 to $500 fine; license and registration suspended |
| Maryland | Up to $1,000 fine and/or 1 year jail; registration suspended |
| Massachusetts | Fine up to $500 for first-timers; 60-day license suspension |
| Michigan | Misdemeanor: $200 to $500 fine, up to 1 year jail |
| Minnesota | Misdemeanor, fine of at least $200; license revoked up to 12 months |
| Mississippi | Misdemeanor: $100 fine; license suspended one year or until proof |
| Missouri | Class D misdemeanor: up to $500 fine; suspension, points or supervision |
| Montana | $250 to $500 fine; no jail or suspension |
| Nebraska | Misdemeanor: up to $1,000 fine or 6 months jail; SR-22 three years |
| Nevada | $600 to $1,000 fine ($100 if insured by sentencing); license suspended |
| New Hampshire | No fine; license suspended after an uninsured accident until SR-22 filed |
| New Jersey | $300 to $1,000 fine; up to one-year license suspension; $250 yearly surcharge |
| New Mexico | Misdemeanor: up to $300 fine or 90 days jail |
| New York | $150 to $1,500 fine plus $750 civil penalty; possible jail |
| North Carolina | Class 3 misdemeanor, up to $200 fine; registration revoked until insured |
| North Dakota | $150 fee, 6 points, one-year proof of insurance filing |
| Ohio | License suspended until conditions met; SR-22 one year; $40 fee |
| Oklahoma | Up to $250 fine and/or 30 days jail; license suspended |
| Oregon | Class B violation: $265 presumptive fine; SR-22 for one year |
| Pennsylvania | $300 fine; three-month registration and license suspension |
| Rhode Island | $100 to $500 fine; license and registration suspended up to three months |
| South Carolina | $100 to $200 fine or 30 days jail; license suspended; SR-22 |
| South Dakota | Class 2 misdemeanor; 30-day to one-year suspension; SR-22 three years |
| Tennessee | Not confirmed on a state source |
| Texas | $175 to $350 fine; no suspension for a first conviction |
| Utah | Fine of at least $400; license suspended; SR-22 three years |
| Vermont | Civil penalty up to $500 and 2 points |
| Virginia | Up to $500 fine; $600 fee; SR-22 three years |
| Washington | Traffic infraction; fine of $550 or more |
| West Virginia | $200 to $5,000 fine and/or jail; owner's license suspended 30 days unless $200 paid |
| Wisconsin | Forfeiture up to $500; no jail |
| Wyoming | $500 to $1,500 fine and/or up to 6 months jail; SR-22 |
Getting legal again: license reinstatement in every state · minimum coverage by state