In every state except for the states of Wisconsin and New Hampshire, you are required by law to have car insurance for your high performance vehicle or muscle car. Each state deals with these laws differently, both between how many types of insurance they require you to have and the way that they punish you if you don’t have the insurance required. In all states where insurance is required for any driver, you have to carry a car insurance card with you any time that you are driving. That way, when you get pulled over by a police officer you will be able to avoid getting a ticket for lack of insurance which you would then have to go and fight in a court, even if you really did have insurance at the time and just didn’t have the card with you.

In some states, if you are caught driving without insurance, then your high performance vehicle can be impounded. These states are

• Florida
• Louisiana
• New Jersey

It costs a lot of money to get your car back after it is impounded, and you only have a certain amount of time to do so. In those among other states, you might also have to pay the penalty of driving without insurance by paying high, costly fines, going to jail for a week or so, or even having your license suspended along with your registration. If your license gets suspended, then that starts you on the road towards high insurance costs for years to come, since in most cases you will then have to do SR-22 filing on your auto insurance policy, and combining that with having a high performance car is very pricey.

In Louisiana it was testified that most people who have their cars impounded for driving without proper car insurance coverage are not able to get their vehicles back–at all. Sixty percent of the cars that get impounded stay there. Mostly this is not for lack of trying, but simply because it costs too much and people can not afford to get their cars back.

Many states are trying to find a balance between making sure that their laws are stringent enough that people are not going to break them as often, but at the same time making sure they are not too bad, because if they are then the local governments are less likely to try to enforce these laws.

In most of the states in this country, the states put together a bunch of different types of penalties for people who fail to purchase the mandatory insurance coverage. The most common combination is to suspend the license, the registration, and to confiscate the driver’s license plates. There are even a few states, most of them the same ones that impound cars for those driving without insurance, that have check points that people go through on the road where they are required to provide their insurance card when asked. These are good at making people more aware of laws and of setting examples of those who do not have the proper insurance coverage.