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Can your car be impounded for no insurance?

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Here's what you need to know...
  • State laws differ on insurance requirements and how police may check for proof of insurance
  • Your car may be impounded immediately in some circumstances if a police officer finds that you do not have insurance
  • An impoundment is expensive and time-consuming and should be avoided at all costs

With the exception of New Hampshire, all states, including the District of Columbia, have requirements for the minimum auto liability insurance that drivers must carry.

To meet these requirements, most drivers choose at least liability coverage and Personal Injury Protection (PIP) so that they are covered in the event of an auto accident.

Although the minimum requirements vary, you can expect to be required to carry some form of car insurance everywhere in the U.S.

When shopping for the best insurance coverage for you, you must make sure that the coverage meets the minimum and also adequately protects your assets in the event you cause an accident.

While some states are allowing drivers to show electronic proof of insurance, it is prudent to make sure that you have access to your insurance card in your vehicle at all times to avoid a fine.

Enter your zip code above to shop for the best car insurance rates to fit your budget!

Penalties for Failure to Provide Proof of Car Insurance

STATE FIRST OFFENSE SECOND OFFENSE
Alabama Fine: Up to $500; registration suspension with $200 reinstatement fee Fine: Up to $1,000 and/or six-month license suspension; $400 reinstatement fee with four-month registration suspension
Alaska License suspension for 90 days License suspension for one year
Arizona Fine: $500 (or more); license/registration/license plate suspension for three months Fine: $750 (or more within 36 months); license/registration/license plate suspension for six months
Arkansas Fine: $50 to $250; suspended registration/no plates until proof of coverage plus $20 reinstatement fee; court may order impoundment Fine: $250 to $500 fine — minimum fine mandatory; suspended registration/no plates until proof of coverage plus $20 reinstatement fee. Court may order impoundment
California Fine: $100-$200 plus penalty assessments. Court may order impoundment Fine: $200-$500 within three years plus penalty assessments. Court may order impoundment
Colorado Fine: $500 minimum fine; 4 points against your license; license suspension until you can show proof to the DMV that you are insured. Courts may add up to 40 hours community service $1,000 minimum fine and license suspension for 4 months; 4 points against your license. Courts may add up to 40 hours community service
Connecticut Fine: $100-$1000; suspended registration/license for one month (show proof of insurance) with $175 reinstatement fee Fine: $100-$1000; suspended registration/license for six months (show proof of insurance) with $175 reinstatement fee
Delaware Fine: $1500 minimum fine; license/privilege suspension for six months Fine: $3000 minimum fine within three years; license/privilege suspension for six months
Florida Suspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $150 fee for first reinstatement Suspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $250 fee for second reinstatement
Georgia Suspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes due Within a 5 years: Suspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes due
Hawaii Fine: $500 fine or community service granted by judge. Either license suspension for three months or a required nonrefundable insurance policy in force for six months Fine: $1500 minimum fine within five years; either license suspension for one year or a required non-refundable insurance policy in force for six months
Idaho Fine: $75; license suspension until financial proof. No reinstatement fee. Fine: $1000 maximum fine within five years and/or no more than six months in jail; license suspension until financial proof. No reinstatement fee.
Illinois License plate suspension until $100 reinstatement fee and insurance proof License plate suspension for four months; $100 reinstatement fee and insurance proof
Indiana License/registration suspension for 90 days to one year Within three years: license/registration suspension for one year
Iowa Fine: $500 if in accident; Otherwise, fine: $250; community service in lieu of fine. Possible citation/warning if pulled over plus removal of plates and registration possible when pulled over without insurance and reissued upon payment of fine or completed community service, proof of insurance, and $15 fee; possible impoundment when pulled over N/A
Kansas Fine: $300 to $1000 and/or confinement in jail up to six months; license/registration suspension; reinstatement fee: $100 Fine: $800 to $2500 within three years; license/registration suspension; reinstatement fee: $300 if revoked within previous year, otherwise $100
Kentucky Fine: $500 to $1000 fine and/or sentenced up to 90 days in jail; license plates and registration revoked for one year or until proof of insurance is shown Within five years: 180 days in jail and/or $1000 to $2500; license plates and registration revoked for one year or until proof of insurance is shown
Louisiana Fine: $500 to $1000; If in car accident, fine plus registration revoked and driving privileges suspended for 180 days N/A
Maine Fine: $100 to $500; suspension of license and registration until proof of insurance N/A
Maryland Lose license plates and vehicle registration privileges; pay uninsured motorist penalty fees for each lapse of insurance — $150 for the first 30 days, $7 for each day thereafter; Pay a restoration fee of up to $25 for a vehicle's registration N/A
Massachusetts Fine: $500 to $5000 fine and/or imprisonment for one year or less Within six years: License/driving privileges suspended for one year
Michigan Fine: $200 to $500 fine and/or imprisonment for one year or less; license suspension for 30 days or until proof of insurance; $25 service fee to Secretary of State N/A
Minnesota Fine: $200 to $1000 (or community service) and/or imprisonment for up to 90 days; License and registration revoked for no more than 12 months N/A
Mississippi Fine: $1000; driving privileges suspended for one year or until proof of insurance N/A
Missouri Four points against driving record; driver may be supervised; suspended until proof of insurance with $20 reinstatement fee Four points against driving record; driver may be supervised; suspended for 90 days with $200 reinstatement fee
Montana Fine: $250 to $500 fine and/or imprisonment for no more than 10 days Fine: $350 and/or imprisonment for no more than 10 days — within 5 years; license and registration revoked until proof of insurance and payment of reinstatement fees within 90 days
Nebraska License and registration suspension; reinstatement fee of $50 for each; proof of insurance to remain on file for three years
Nevada Fine: $250 to $1,000 depending on length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, an SR-22 (proof of financial responsiblity) if lapsed more than 90 days; reinstatement fee: $250 Fine: $500 to $1000 depending on length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, SR-22 (proof of financial responsibility) if lapsed more than 90 days; Reinstatement fee: $500
New Hampshire Not a mandatory insurance state. Proof of insurance may be required as the result of a conviction, crash involvement, or administrative action. If you are required to file proof of insurance and vehicles are registered in your name, you will be required to file an Owner’s SR-22 Certificate of Insurance. N/A
New Jersey Fine: $300 to $1000; license suspension for one year; pay surcharges for three years in the amount of $250 per year Fine: up to $5000; two-year license suspension; 14-day, mandatory jail term, and an additional mandatory 30 days of community service
New Mexico Fine: up to $300 and/or imprisoned for 90 days; license suspension N/A
New York Fine: up to $1500 if involved in accident plus $750 civil penalty; license and registration suspension – revoked for one year; suspension of license if without insurance for 90 days; suspension lasts as long as registration suspension; Suspension of registration: equal to time without insurance or pays $8/day up to thirty days for which financial security was not in effect, $10/day from the thirty-first to the sixtieth day $12/day from the sixtieth to the ninetieth day and proof of security is provided. Or for the same time as the vehicle was operated without insurance. N/A
North Carolina Fine: $50; registration suspension until proof of financial responsibility but 30-day suspension if in car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee Fine: $100 within three years; registration suspension until proof of financial responsibility but 30-day suspension if in car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee
North Dakota Fine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; Proof of insurance must be provided for one year; license with a notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50, and the fee to remove this notation is $50. Fine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; license plates impounded until proof of insurance (provided for one year) plus $20 reinstatement fee; license with a notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50 and the fee to remove this notation is $50.
Ohio License/plates/registration suspension until requirements are met and $100 reinstatement fee is paid; maintain special high-risk coverage on file with the BMV for three to five years; If involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied) License/plates/registration suspension for one year; $300 reinstatement fee; maintain special high-risk coverage on file with the BMV for three or five years; if involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied)
Oklahoma Fine: $250; jail time up to 30 days; license suspension with $275 reinstatement fee. Police can seize license plates and assign temporary plates and liability insurance — in effect for 10 days and can also impound the vehicle. The cost of the temporary coverage is added to the administrative fee and any fines paid for plates to be returned. If car impounded, owner must also pay towing and storage fees. N/A
Oregon Fine: $130-$1000 ($260 is the presumptive fine); If involved in accident — at least a one year license suspension; proof of financial responsibility required for three years N/A
Pennsylvania Registration suspended for three months (unless lapse was for less than 31 days and vehicle not operated during that time); $88 restoration fee plus proof of insurance required to get it back; $500 civil penalty fee is optional in lieu of registration suspension plus $88 restoration fee — can only use this option once within a 12-month period N/A
Rhode Island Fine: $100 to $500; license and registration suspension up to three months; reinstatement fee: $30 to $50 Fine: $500; license and registration suspension up to six months; reinstatement fee: $30 to $50
South Carolina Fine: $100-$200 or 30-day imprisonment; failure to surrender registration and plates when insurance lapses; license/registration suspended until proof of insurance plus $200 reinstatement fee Fine: $200 and/or 30-day imprisonment — within 10 years; license/registration suspended until proof of insurance plus $200 reinstatement fee
South Dakota Fine: $100 and/or 30 days imprisonment; license suspension for 30 days to one year; filing proof of insurance (SR-22) with the state for three years from date of conviction. Failure to file proof will result in suspension of vehicle registration, license plates, and driver license. N/A
Tennessee Pay $25 coverage failure fee within 30 days of notice; if not paid, then an additional $100 coverage failure fee with suspension or revocation of registration plus reinstatement fee of no more than $25 N/A
Texas Fine: $175 to $350 fine; plus, pay up to a $250 surcharge every year for three years (may be reduced with certain requirements) Fine: $350 to $1000; pay up to a $250 surcharge every year for three years (may be reduced with certain requirements); suspend the driver's license and vehicle registrations of the person unless the person files and maintains evidence of financial responsibility with the department until the second anniversary of the date of the subsequent conviction; Impoundment: for 180 days and cannot apply for release of car without evidence of financial responsibility and impoundment fee of $15/day.
Utah Fine: $400; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee Fine: $1000 — with three years; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee
Vermont Fine: up to $500; license suspended until proof of insurance N/A
Virginia Fine: may pay $500 Uninsured Motorists Vehicle fee to drive without insurance at your own risk. If this fee is not paid in lieu of insurance, all driving and vehicle registration privileges will be suspended until a $500 statutory fee is paid, proof of insurance is filed for three years, and a reinstatement fee (if applicable) is paid N/A
Washington Fine: Up to $250 or more N/A
West Virginia Fine: $200 to $5000; license suspended for 30 days with reinstatement fees, unless there's proof of insurance and $200 penalty fee Fine: $200-$5000 fine and/or 15 days to one year in jail — within five years; license suspended for 90 days and registration revoked until proof of insurance
Wisconsin Fine: up to $500 N/A
Wyoming Fine: up to $750 fine and up to six months in jail N/A

View sources for penalties here.

Just as the state requirements for minimum coverage can vary across the country, so do the penalties for driving without proof of insurance. Even if you are involved in an accident through no fault of your own, you can face a range of

Even if you are involved in an accident through no fault of your own, you can face a range of penalties for being caught driving without proof of insurance.

The penalties imposed upon you for driving without proof of car insurance can include both civil and criminal penalties and fines. This is why it is especially important to ensure that you are complying with all coverage requirements when shopping around for car insurance.

Even if you are using a vehicle for business and not personal purposes, you are still required to maintain car insurance for that vehicle or risk facing serious penalties.

For example, in some states you could face the following penalties for being caught driving without proof of auto insurance coverage:

  • Points against your driver’s license
  • $500 fine
  • Driver’s license suspension
  • Community service
  • Confiscation of your driver’s license
  • Immediate impoundment of your vehicle

The amount of your fine and duration of a potential driver’s license suspension can vary by state. In addition, if you are caught driving without insurance multiple times, the potential penalties can increase for each repeated offense.

Besides the penalties you may face for driving without insurance, you may also forfeit your right to recover against another driver even if they are the cause of the accident and injury to you or your vehicle.

Certain states have enacted a “no pay, no play” policy towards uninsured motorists, which prevents them from seeking any recovery against another driver if the uninsured driver is involved in a car accident that it not his fault.

States are seeking to remove any doubt that motorists are required to have car insurance and cannot benefit by driving without it.

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Avoiding Impoundment of Your Vehicle

It is a huge gamble to drive without insurance in the hopes that you will not get caught eventually.

While there is no guarantee that your vehicle will be immediately impounded if you are stopped for driving without insurance or involved in an accident without having auto insurance, police officers are well within their rights to call for your car to be immediately impounded in many jurisdictions.

This means that you will pay the cost of towing and storage fees before you can retrieve your vehicle. The costs of the impoundment can be extremely high even for a short while.

In case you needed another reason to avoid impoundment of your vehicle, you should be aware that it is legal for police officers to search your vehicle once it has been impounded.

Even if you have not been involved in any illegal activity, it is best to avoid unnecessary searches of your vehicle by the police that could complicate the entire process of getting your car out of impoundment.

Given that the process is already expensive enough, you do not need to deal with any additional headaches from being caught driving without insurance.

Avoiding Penalties for Driving Without Car Insurance

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In sum, having your car impounded by the police is just one of the unnecessary and expensive penalties you could face from being caught driving without auto insurance.

Even though the penalties for not providing proof of auto insurance can vary by state, you can expect a serious headache if you are caught driving without it by the police.

When making a decision about what car insurance policy is best and most cost effective for you and your family, making sure that you are covered for all of the state minimum car insurance requirements is one of the best ways to avoid the problems associated with dealing with being caught without car insurance.

Enter your zip code below for car insurance rates from top companies in your area!

FREE Auto Insurance Comparison

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