We all are well aware of the fact that auto insurance is a legal requirement, and you're obliged to carry the minimum amount of coverage in order to drive a car in a particular state. It usually depends on the state the car is registered in and respectfully where it gets its plates. But what many of you would really like to know is what will happen if you get caught without having auto insurance? This is especially interesting for those who are looking forward to drop their insurance coverage and take the risk of driving while being uncovered.

The Insurance Information Institute tells that the penalty for driving without auto insurance coverage depends on the state you're licensed in, as the laws vary across all states and the percentage of uninsured drivers is different too. For example, Massachusetts drivers who choose to not get auto insurance and get caught usually face fines between $500 and $5,000 and can even get up to one year prison sentence. In a set of other states including Florida, Louisiana, Connecticut and New Jersey, you won't be able to get the car licensed without meeting the state minimums. And if you drop coverage afterwards and get caught, your car will simply get impounded, and it will cost you a lot of money and time to get it out.

So, before you decide driving without auto insurance, first makes sure to learn what are your state minimums and the penalties for not complying with them. The best source of information on the matter is your state insurance department or the department of motor vehicles.

But in any case, driving without auto insurance in not the smartest thing to do. Even if you won't get caught by the police, ending up in a serious accident will cost you much more in out of pocket expenses than you would pay for insurance coverage. Sure, some of you may say they can't afford having costly auto insurance. But who said that it has to be expensive anyway?

If you're considering driving without car insurance, first make sure you've done your comparison shopping. Many drivers are usually surprised by the saving possibilities a simple car insurance quotes comparison can do. You don't have to pay a lot of covering your car, especially if you want to keep the coverage at bare minimums. Of course, it's not the best thing to do as a serious accident will lead to out-of-pocket expenses, but still if your budget is really tight you should simply compare auto insurance quotes when looking for an insurance policy. With so many providers out there, it's quite possible to get a really affordable policy with any kind of coverage included.

Keep in mind that car insurance is not the type of cost you can freely drop if you feel it's useless for you. First of all, it's a legal requirement to drive a vehicle in most states, and not complying with it will cause you much trouble. Besides, in the end it will cost you much more driving without car insurance because the repair and medical costs arising due to an average accident can get quite hefty for a limited budget and you'll have to sacrifice some of your assets to cover the costs. So, don't think much about refusing car insurance, instead get busy with comparing car insurance quotes to find a policy you can really afford.