What is the Penalty for Driving Without Auto Insurance?

If you are driving on public roads in Illinois without auto insurance, then you are taking a huge risk. Now, with a new law being implemented on January 1st, police officers will be able to know whether or not you have auto insurance by simply entering your license plate number into a computer. That’s right, the days of presenting a paper insurance card will soon be behind us, making it now more important than ever to carry auto insurance. So, what exactly are the consequences of driving without car insurance?

The penalties for driving without auto insurance are much more troubling compared to the simple process of purchasing a car insurance policy. Some people do not purchase car insurance in order to save money. However, in an attempt to avoid paying monthly premiums, they end up paying way more to the Secretary of State for not obeying the law. It is important to remember that the state of Illinois requires all drivers to carry basic liability auto insurance. That is the bare minimum and it is not all that expensive in the grand scheme of things. Drivers caught without basic liability insurance are looking at consequences that will cost them lots of time and money down the road.

Let’s say you are pulled over by a police officer for speeding on the freeway. If you are unable to present proof of auto insurance, the penalties will be much more severe than that of a speeding ticket. Since driving without insurance is considered by the Secretary of State as a petty offense, the fine is at least $500. But, it could be a high as $1,000 depending on the situation. The worst part is that driving without insurance will also lead to a suspended license. Then, once the Secretary of State reinstates your license, you will have to pay for SR-22 insurance. So, at the end of the day, the penalty for driving without insurance will cost you much more than simply purchasing it before getting out on the road.

With the new auto insurance electronic verification law being implemented in Illinois, it will be nearly impossible to get away with not buying insurance for your car. Police officers will be able to enter the license plate number of any car parked on the street into the Secretary of State’s electronic database. This database will tell them whether or not the owner of that vehicle has car insurance. And if they do not, they will receive an expensive ticket. With this new law being implemented and the severe consequences that come along with not carrying auto insurance, there is no reason to wait to buy a car insurance policy.

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