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Driving without insurance

driving without insuranceA Current auto insurance policy is legally required in order to drive your vehicle. If you’re caught driving without proof of insurance coverage, you could face stiff penalties, varying by state. Potential consequences of driving without insurance include a costly ticket, license suspension, a lack of financial protection in the event of an accident, and even denial of insurance coverage if you’re involved in a wreck and deemed not-at-fault

For instance in the state of Arizona
Drivers In Arizona must carry liability insurance with at least these minimum limits if they want to hit the highways legally:
•$ 25,000 of bodily injury liability per person.
•$ 50,000 of bodily injury liability per incident.
•$ 15,000 of property damage liability per incident.

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Liability coverage financially protects you by helping to pay the other driver’s medical bills and property damage expenses if you’re found at fault in an incident. It is required by the Arizona Department of Transportation (ADOT) that all drivers carry proof of financial responsibility- failure to do so can result in a citation

penalty for driving without insurance in AZ

First Time you are pulled over with no insurance you will:
• Will Be fined $500.
• Driver’s license, registration, and license plate will be suspended for 3 months.
• Incur a $35 total to reinstate the above.
• Need to obtain an SR-22 certificate on your insurance for at least 2 years (this can increase your insurance).

The second time you are pulled over with no insurance you will (within 3yrs of the first offense) you will:
• Will Be fined $750.
• Driver’s license, registration, and license plate will be suspended for 6 months.
• Incur a $35 total to reinstate the above.
• Need to obtain an SR-22 certificate on your insurance for at least 2 years.

The third time you are pulled over with no insurance you will (within 3yrs of the second offense) you will:
• Will Be fined $1,000.
• Driver’s license, registration, and license plate will be suspended for 1 year.
• Incur a $35 total to reinstate the above.
• Need to obtain an SR-22 certificate on your insurance for at least 2 years.

How to find cheap insurance if you’re uninsured.                Get A Free No-Obligation Quote Online Now
At the end of the day, the consequences of driving without proof of insurance and therefore not meeting insurance requirements will be more costly than purchasing state-minimum liability coverage. Below are cheap car insurance rates for minimum coverage.

License be suspended for driving without insurance.
License suspension for lack of insurance varies by state. Listed below are the states that will suspend your license for driving without insurance. This punishment is usually coupled with a hefty fine.
Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, and Wyoming. In essence, 44 of the 49 states that require car insurance will suspend your driver’s license if you’re caught without proof of insurance.