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The Costs of Driving Without Auto Insurance

The Costs of Driving Without Auto Insurance

Driving without auto insurance may save you a little bit of money upfront. However, there are some serious financial and legal risks you face if you choose to forgo obtaining an auto insurance policy.


If you get into an accident, the process that follows is rarely inexpensive. After an accident, the cost of receiving medical care, fixing your vehicle, and missing work can easily run into the thousands. If you are found to be responsible for the accident, you may be sued for your assets if you don’t have enough coverage or if you don’t have auto insurance at all.

If you feel like you can’t manage the expense of paying for auto insurance, you may want to look at the cost of paying for premiums in a different light. By having an auto insurance policy, you pay a manageable amount now, so that you’re not stuck paying an unmanageable amount later on.


While most drivers believe that the risks of driving without car insurance are primarily financial, there are also legal risks associated with not having a policy. In most states, it is illegal to own and operate a vehicle without insuring it. If you were to ever get stopped by a law enforcement official and asked to present proof of insurance, you may be forced to pay a fine for this offense. If you don’t have an auto insurance policy, you may also have your license plates or registration suspended and have a difficult time acquiring new tags.

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