Uninsured motorists are ten times more likely to drink drive than drivers who have insurance, according to research.
Crashes involving uninsured drivers cost £500m a year
The study from the Association of British Insurers (ABI) also found that uninsured drivers are six times more likely to drive a non-roadworthy car.
In addition, they are three times more likely to be convicted of driving without due care.
The ABI estimates that more than a million motorists have no insurance and are involved in accidents worth £500m.
At present, motorists caught driving without insurance on average receive a fine of £150 and three penalty points.
The cost of uninsured drivers adds £30 to average annual premiums, the ABI said.
"These are worrying findings," said ABI director general Mary Francis.
"They reinforce our call for a tough crackdown on people who drive without insurance.
"There really is no excuse and this is not a case of financial exclusion."