Failure to have required automobile insurance is a Class C misdemeanor for a first offense punishable by a fine of up to $500 and up to three months in jail. A second or subsequent offense is a Class B misdemeanor, and the fine can go up to $3,000 in addition to six months in jail.
Vehicle registration will also be suspended 45 days for a first offense and four months for a second or subsequent offense. Failure to pay a fine can result in a 90-day suspension of a driver’s license, and a second violation can result in a license suspension for up to six months. Following a first offense, reinstatement will require a $200 registration reinstatement fee and proof of insurance for one year, while a second or subsequent offense will result in a $400 registration reinstatement fee and proof of an SR-22 (an automobile insurance document provided specifically for high-risk drivers) for three years.