What driving uninsured costs, state by state
A first-offense ticket can be as little as $30 in Florida, starts at $1,500 in Delaware, and can reach $10,000 in Indiana. In 14 of the 49 jurisdictions that set a fine, the law gives only a maximum, so the court can go lower.
The fine is the number that gets quoted, and it is usually the smallest part. What follows it — the suspension, the reinstatement, the years of filed proof — is where the real cost sits, and it varies far more between states than the fines do.
51 jurisdictions. Click a column heading to sort by it; click a state to see the law behind its figure.
| Delaware | $1,500 – $2,000 | $3,000 – $4,000 | License suspended 6 months; registration suspended until insured | No |
| Nevada | $600 – $1,000 | $600 – $1,000 | License suspended until proof is filed | Yes |
| Washington | At least $550 | — | Not for the ticket alone | No |
| Alaska | $500 | — | 90 days minimum, or one year if it has happened before in the past 10 years | Yes |
| Arizona | At least $500 | At least $750 | 3 months, 6 months, then 1 year | Yes |
| Colorado | $500 – $1,000 | $1,000 | Until proof is filed, then 4 months, then 8 months | Yes |
| District of Columbia | $500 | $750 | Registration suspended; license suspension up to 30 days (60 for repeats) | No |
| Hawaii | $500 | At least $2,000 | 3 months first, 1 year repeat — or keep insurance in force 6 months | No |
| Illinois | $500 – $1,000 | $1,000 | 3 months, plus plate suspension | Yes |
| Kentucky | $500 – $1,000 | $1,000 – $2,500 | Registration revoked 1 year; license revoked on a repeat offense | No |
| Louisiana | $500 – $1,000 | — | Registration revoked and license suspended after a crash | Yes, after a crash without coverage |
| Wyoming | $500 – $1,500 | $500 – $1,500 | Indefinite, until an SR-22 is on file | Yes |
| Utah | $400 – $750 | At least $1,000 | License suspended and vehicle registration revoked | Yes |
| Iowa | $325 | $325 | Not for the citation itself | Only if the DOT suspends or revokes |
| Kansas | $300 – $1,000 | $800 – $2,500 | Indefinite, until proof is filed and the fee is paid | Yes |
| New Jersey | $300 – $1,000 | — | Up to 1 year, at the court's discretion | — |
| Pennsylvania | At least $300 | — | Three months, registration and license | No |
| Montana | $250 – $500 | $350 – $500 | Registration on a second conviction, driver license on a fourth | No — only proof of current coverage |
| Georgia | $200 – $1,000 | $200 – $1,000 | 60 days; 90 days on repeat | Yes |
| Michigan | $200 – $500 | $200 – $500 | 30 days, or until proof of insurance is filed — whichever is later | No |
| Minnesota | At least $200 | At least $200 | License revoked 30 days to 1 year, by prior-offense count | Yes |
| West Virginia | $200 – $5,000 | $200 – $5,000 | License suspended 30 days and registration revoked; 90 days on a repeat within 5 years | No |
| Texas | $175 – $350 | $350 – $1,000 | Possible on repeat offenses | Yes |
| New York | $150 – $1,500 | — | Registration and license revoked for one year | No |
| North Dakota | $150 | $300 | Not automatic on a first offense — but 12 or more points suspends | Yes |
| Oregon | $135 – $1,000 | — | Only if you fail to file an SR-22 | Yes |
| Arkansas | $100 – $250 | $250 – $500 | Your registration, not your license | Only through a suspension or an uninsured crash |
| California | $100 – $200 | $200 – $500 | One year after an uninsured crash | After an uninsured crash |
| Connecticut | $100 – $1,000 | $100 – $1,000 | Registration and license suspended — one month, six months on a repeat | No |
| Maine | $100 – $500 | — | License and registration suspended 30 days after the adjudication reaches BMV | Yes |
| Mississippi | $100 | $100 | Driving privilege — one year, or until proof and payment | Only if you were at fault in an uninsured crash |
| Rhode Island | $100 – $500 | $500 | License and registration — up to 3 months, then 6 months, then up to a year | Proof of financial security must be filed and maintained — but not on an SR-22 |
| South Carolina | $100 – $200 | $200 | License, registration and plates all suspended | Yes |
| Idaho | $75 | Up to $1,000 | License and vehicle registration, through two separate tracks | Yes |
| Florida | $30 | — | Driver license and registration suspended | Yes |
| Alabama | Up to $500 | Up to $3,000 | Vehicle registration, not the license | Yes |
| Indiana | Up to $10,000 | Up to $500 | Until an SR22 is filed; ends after 180 days of continuous SR22 | Yes |
| Maryland | Up to $1,000 | Up to $1,000 | Vehicle registration suspended | No |
| Massachusetts | Up to $500 | $500 – $5,000 | License suspended 60 days; 1 year for a repeat within 6 years | No |
| Missouri | Up to $500 | $200 – $500 | Court may suspend; DOR also suspends | Only after an uninsured crash |
| Nebraska | Up to $1,000 | Up to $1,000 | License, registration and plates, until you comply | Yes — three years from the date of the citation |
| New Mexico | Up to $300 | Up to $300 | Registration only, up to 1 year | Proof of insurance, but no SR-22 |
| North Carolina | Up to $200 | — | Vehicle registration revoked | — |
| Oklahoma | Up to $250 | — | Driver license, indefinitely until you show coverage and pay | No |
| South Dakota | Up to $500 | Up to $500 | 30 days to 1 year, ordered by the judge, plus registration and plates | Yes — three years |
| Tennessee | Up to $300 | Up to $300 | Driver license suspended on conviction | No |
| Vermont | Up to $500 | Up to $500 | Not for the ticket itself — but an uninsured crash suspends you until you file proof | No |
| Virginia | Up to $500 | Up to $500 | License, all registrations and plates suspended | Yes |
| Wisconsin | Up to $500 | Up to $500 | Not for the citation alone; after an uninsured crash | Only after a Safety Responsibility suspension |
| New Hampshire | — | — | No offense of driving uninsured; an uninsured crash suspends your license and registration | Yes — 3 years of SR-22 filings |
| Ohio | — | — | Until conditions are met; 1 year on a second offense, 2 years on a third | Yes |