The fine for driving without insurance varies by country: In the UK:
- The police can issue a fixed penalty of £300 and 6 penalty points on your licence if caught driving without insurance
- More serious cases may be taken to court, where fines can be unlimited, and additional penalties such as disqualification from driving, court costs, and a victim surcharge (usually 10% of the fine) can be imposed
- The vehicle may also be seized or destroyed by the police
- A conviction results in an IN10 endorsement on your licence for four years and can lead to higher future insurance premiums
In the US:
- Fines vary by state, typically ranging from around $300 to $1,500 or more for a first offense
- Additional penalties can include license suspension, jail time (up to 15 days in some states), and requirements to obtain SR-22 insurance
- For example, in New York, fines can be up to $1,500 with license suspension for a year and possible jail time
- In Texas, fines can be up to $500 with possible imprisonment up to 90 days
In France:
- The fine for driving without insurance can be up to €3,750, with the case referred to the public prosecutor
In summary, driving without insurance typically results in a minimum fixed fine (e.g., £300 in the UK, around $300-$500 in many US states) plus penalty points or license suspension, with potential for much higher fines and additional penalties if taken to court or in repeat/serious offenses
