Back to top


What Happens If I Get Caught Driving Without Insurance?

Published: November 2018

Driving without insurance is against the law in most states. Depending on your state's laws, if you're caught driving without insurance, you may:

  • Have to pay fines
  • Have your driver's license and vehicle registration suspended
  • Have to pay license or registration reinstatement fees
If you cause a car accident and do not have auto insurance, you may be responsible for paying the associated medical costs and repair bills — yours and the other driver's — out of your own pocket. For this reason, each state has financial responsibility laws that require drivers to prove they could help cover the costs of a car accident.

Police officer writing a ticket at a traffic stop.

Financial Responsibility Laws

Most states require drivers to have certain types and amounts of car insurance to comply with financial responsibility laws. State laws mandate which coverages drivers must carry on their policies, and the laws specify minimum coverage limits on each type of required coverage. Showing proof of insurance during traffic stops or when you're renewing your vehicle registration is a way for states to help enforce compliance with financial responsibility laws.

A suburban home.

Quality Auto Coverage Starts Here.

When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected for wherever the road takes you.

Get a quote Find an agent

Required Car Insurance Coverages

Drivers in 48 states and the District of Columbia are required to have bodily injury liability coverage and property damage liability coverage. Other types of coverage that may be required, depending on your state's laws, are:

Other coverages, such as collision coverage or comprehensive coverage, are not required by state law, but they may be required by your lender if you're leasing or financing your car.

States with Financial Responsibility Laws That Don't Require Car Insurance Coverage

If you live in New Hampshire or Virginia, you're not required by law to have car insurance. However, you may have to comply with financial responsibility laws in other ways.

In Virginia, for example, drivers without car insurance must pay a $500 uninsured motor vehicle fee at the time of registration each year. Uninsured drivers in Virginia are personally responsible for paying medical bills or property repairs after a car accident.

In New Hampshire, uninsured drivers who are found at fault for a car accident are required to get insurance coverage for at least three years after the accident.

Drivers who do buy car insurance coverage in New Hampshire and Virginia must have state-mandated coverages and meet minimum coverage limits on their policies, as defined by state law.

Do I Need More Than My State's Minimum Insurance Requirements?

States set minimum car insurance coverage limits to help protect drivers financially in case of costly car accidents. It's a good idea to think of your state's requirements as a starting point. You may want to consider raising your coverage limits for increased protection. You also may be able to add optional coverages to your policy, depending on your situation. Explore your options with a local insurance agent so you can choose the coverages and limits that are right for you.

Related Resources:

This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2019 Allstate Insurance Company, Northbrook, IL.
   
ECC Monitor: OK