Is it illegal to drive without insurance?

Yes — driving without insurance is illegal in virtually every U.S. state. All 50 states (and D.C.) require drivers to carry at least a minimum level of auto insurance or demonstrate financial responsibility before operating a vehicle on public roads. ^[1] **Minimum required coverage ^[1][2] The required minimums vary by state but typically include: - Bodily injury liability — covers injuries you cause to others (minimum commonly $25,000 per person / $50,000 per accident) - Property damage liability — covers damage to others' property (minimum commonly $10,000–$25,000) - Some states also require uninsured/underinsured motorist coverage and/or personal injury protection (PIP) Penalties for driving uninsured ^[1][3] Consequences vary by state but commonly include: - Fines — ranging from $100 to over $1,000 for a first offense - License suspension — many states suspend your driver's license and vehicle registration - Vehicle impoundment — your car may be towed and impounded - SR-22 requirement — you may be required to file an SR-22 certificate (proof of financial responsibility) for 1–3 years, which significantly raises insurance rates - If you cause an accident while uninsured, you can be held personally liable for all damages "No-fault" vs. "at-fault" states In no-fault states (e.g., Florida, Michigan, New York), drivers must carry Personal Injury Protection (PIP) regardless of who caused the accident. In at-fault states, the at-fault driver's liability insurance pays for damages. New Hampshire exception** New Hampshire is the only state that does not mandate auto insurance, but drivers must still demonstrate financial responsibility if they cause an accident. *Always carry proof of insurance in your vehicle. Penalties for driving uninsured can follow you for years through higher premiums and license consequences.*