Driving Without Car Insurance Penalties

Published by Anel Herrera on

People caught driving without car insurance are subject to license suspension and several other fines and penalties. The penalties range based on the number of offenses. 


In Illinois, drivers must have liability insurance and carry proof of this insurance in their cars. Drivers who drive without insurance face serious penalties, including fees. States base insurance violations in two ways:

  • Failure to provide proof of insurance
  • Driving without insurance

These violations have different sets of penalties. Failure to provide insurance fines will not be as severe as fines for driving without insurance. 

Revoked license

In Illinois, a first-time conviction for driving without car insurance results in:

  • a three-month license suspension
  • a mandatory $500 fine (minimum)
  • court costs
  • an additional $100 license reinstatement fee. 

Drivers may also be required to file an SR22 for driving without insurance

Towed car

If you are pulled and do not have car insurance, your car can also be towed. You will need to pay the towing and impound fees which will cost a few hundred dollars.



Precilla Harris · February 21, 2019 at 12:29 pm

I got caught driving without insutance. This is my second time. I have to go to court next week but if I have all the money & insurance, can I just pay the courthouse before the court date to avoid going to court instead?

    Anel Herrera · February 25, 2019 at 3:02 pm

    You would still need to make that court appearance. Best of luck!

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