No Insurance Ticket: Cost Breakdown By State
A lack of car insurance can lead to serious consequences, from financial penalties to license suspension, vehicle confiscation and even jail time.
Exactly how much is a ticket for no insurance? The cost varies by state. We’ll share details about tickets in the 12 states where Fred Loya Insurance operates.
Source: Insurance Research Council
How Much Is A Ticket For No Insurance In Alabama?
It is illegal to drive without insurance in Alabama. The minimum auto insurance requirements include:
- Bodily injury liability per person: $25,000
- Bodily injury liability for two or more persons: $50,000
- Property damage liability: $25,000 per accident
Driving without insurance carries substantial fines and additional penalties, including:
First Offense:
- A fine of up to $500
- Up to three months in prison
- Suspension of registration for up to 45 days
- Vehicle impoundment
- Reinstatement fee: $200
- SR-22 for one year after reinstatement
Second And Subsequent Offenses:
- Fines ranging between $1,000 and $3,000 as a class B misdemeanor
- Up to six months in prison
- Suspension of driver’s license for six months
- Suspension of registration for four months
- Vehicle confiscation
- Reinstatement fee: $400
- SR-22 for three years after reinstatement
How Much Is A Ticket For No Insurance In Arizona?
Car insurance is required by law in the state of Arizona. The minimum insurance requirements are:
- Bodily injury liability per person: $25,000
- Bodily injury liability for two or more persons: $50,000
- Property damage liability: $15,000 per accident
The penalties for driving with no insurance include:
First Offense:
- A fine of $500
- Driver’s license suspension for three months
- Registration suspension for three months
Second Offense:
- A fine of $750
- Driver’s license suspension for six months
- Registration suspension for six months
Third Offense:
- A fine of $1,000
- Driver’s license suspension for one year
- Registration suspension for one year
How Much Is A Ticket For No Insurance In California?
In California, it is mandatory to have auto insurance or proof of financial responsibility. The required insurance limits are:
- Bodily injury liability per person: $15,000
- Bodily injury liability for two or more persons: $30,000
- Property damage liability: $5,000 per accident
If you fail to provide evidence of financial responsibility, you will be penalized based on the offense.
First Offense:
- A fine between $100 and $200
- Penalty assessment fees based on the amount of the fine
Second Offense:
- A fine between $200 and $500
- Penalty assessment fees based on the amount of the fine, which can reach up to $1,800
How Much Is A Ticket For No Insurance In Colorado?
According to Colorado law, driving without car insurance is illegal. The minimum required insurance include:
- Bodily injury liability per person: $25,000
- Bodily injury liability for two or more persons: $50,000
- Property damage liability: $15,000 per accident
Driving without car insurance can lead to serious penalties, including:
First Offense:
- A fine of $500
- 4 demerit points on your driving record
- 40 hours of community service
- Driver’s license suspension until you show evidence of insurance
Second Offense:
- A fine of $1,000
- Driver’s license suspension for four months
Third Offense:
- A fine of $1,000
- Driver’s license suspension for eight months
How Much Is A Ticket For No Insurance In Georgia?
The state of Georgia requires all drivers to carry auto insurance. The minimum auto insurance requirements are:
- Bodily injury liability per person: $25,000
- Bodily injury liability for two or more persons: $50,000
- Property damage liability: $25,000 per accident
If your insurance lapses or is terminated, your insurance company will notify the DDS, and you will need to renew your policy within 30 days.
If you don’t renew your policy and there is lapse in coverage, you will face the following penalties:
First Offense:
- Lapse fee: $25
- Reinstatement fee: $60
- License and registration suspension for 60 days
- Up to one year jail time
Second Offense:
- Lapse fee: $25
- Reinstatement fee: $60
- License and registration suspension for 90 days
- Up to one year jail time
Third and Subsequent Offenses:
- Lapse fee: $25
- Reinstatement fee: $160
- License and registration suspension for six months
- Up to one year jail time
How Much Is A Ticket For No Insurance In Illinois?
Auto insurance is mandatory for every driver in Illinois. The state auto insurance minimum limits are:
- Bodily injury liability per person: $25,000
- Bodily injury liability for two or more persons: $50,000
- Property damage liability: $20,000 per accident
- Uninsured Motorist Coverage: $25,000 per person and $50,000 per accident.
The state’s insurance verification system checks the insurance status of Illinois drivers at least twice per year to make sure all drivers are insured.
If you drive without insurance in Illinois, you will face the following penalties:
First Offense:
- A fine between $500 and $1,000
- SR-22 for at least three years
Second And Subsequent Offenses:
- Driver’s license suspension
- Reinstatement fee of $100
- Additional fine of $1,000 if you do not provide evidence of insurance while your driver’s license is suspended
How Much Is A Ticket For No Insurance In Indiana?
Auto insurance is required by law in the state of Indiana. The minimum auto insurance requirements are:
- Bodily injury liability per person: $25,000
- Bodily injury liability for two or more persons: $50,000
- Property damage liability: $25,000 per accident
If you are caught driving without insurance in Indiana, you will face serious penalties, including:
First Offense:
- Suspension of driver’s license for up to 90 days
- Reinstatement fee: $250
- SR-22 certificate for three years
Second Offense:
- Suspension of driver’s license for one year
- Suspension of registration for one year
- Reinstatement fee: $500
- SR-22 certificate for three years
Third and Subsequent Offenses:
- Suspension of driver’s license for one year
- Suspension of registration for one year
- Reinstatement fee: $1,000
- SR-22 certificate for five years
How Much Is A Ticket For No Insurance In New Mexico?
Auto insurance is mandatory in the state of New Mexico. You must carry evidence of insurance at all times, with the following minimum requirements:
- Bodily injury liability per person: $25,000
- Bodily injury liability for two or more persons: $50,000
- Property damage liability: $10,000 per accident
Driving an uninsured vehicle will lead to serious consequences, including:
First Offense:
- A fine of $300
- Up to 90 days in prison
- Suspension of registration or immediate license plate confiscation after an accident
Second Offense:
- A fee of $1,000
- Up to six months in prison
- Suspension of registration
How Much Is A Ticket For No Insurance In Nevada?
Nevada state law requires all drivers to carry auto insurance. The minimum coverage limits include:
- Bodily injury liability per person: $25,000
- Bodily injury liability for two or more persons: $50,000
- Property damage liability: $20,000 per accident
The LIVE Program, Nevada’s online insurance verification system, tracks car owners with lapsed insurance policies.
If you drive without insurance, you will face an immediate fine of $250 and subsequent penalties of up to $2,000.
Based on the number of offenses and the period of lapsed coverage, you may also face a suspension of your driver’s license.
How Much Is A Ticket For No Insurance In Ohio?
Driving without insurance is illegal in Ohio. The state-mandated car insurance limits include:
- Bodily injury liability per person: $25,000
- Bodily injury liability for two or more persons: $50,000
- Property damage liability: $25,000 per accident
If you don’t have proof of insurance, you will face fines and additional penalties as follows:
First Offense:
- Revoked driver’s license until evidence of insurance is presented
- Suspension of license plates and vehicle registration
- Reinstatement fee: $100
- Additional penalty: $50
- FR (high risk) coverage for 3 to 5 years
Second Offense:
- Suspension of driver’s license for one year
- Suspension of license plates and vehicle registration
- Reinstatement fee: $300
- Additional penalty: $50
- FR (high risk) coverage for 3 to 5 years
Subsequent Offenses:
- Suspension of driver’s license for two years
- Suspension of license plates and vehicle registration
- Reinstatement fee: $600
- Additional penalty: $50
- FR (high risk) coverage for 3 to 5 years
How Much Is A Ticket For No Insurance In Texas?
Car insurance is required by law in the state of Texas. The minimum car insurance requirements are:
- Bodily injury liability per person: $30,000
- Bodily injury liability for two or more persons: $60,000
- Property damage liability: $25,000 per accident
If you get caught driving without auto insurance, you will face hefty fines and additional penalties.
First Offense:
- A fine between $175 and $350
- An annual surcharge of $250 for three consecutive years
- Possibility to file an SR-22
Second Offense:
- A fine between $350 and $1,000
- An annual surcharge of $250 for three consecutive years
- Vehicle confiscation for up to 180 days
The Best Affordable Auto Insurance With Fred Loya Insurance
Penalties for driving without insurance may often exceed the amount of minimum auto insurance and carry more serious consequences than financial loss.
At Fred Loya Insurance, we offer customized auto insurance policies for every budget, along with flexible payment options and numerous discounts and benefits for both existing and loyal clients.
Visit our offices in the 12 U.S. states where we operate and let our agents help you find the best car insurance option for your needs and budget. Combine the minimum state requirements with additional coverage options to keep yourself and your loved ones protected.
