The figures, obtained under a outcome of a Freedom of Information request, found that 473,564 drivers have been handed penalty factors for driving uninsured.
The regular fine issued in 2012 was £322, and whilst penalties elevated by 13 per cent in between 2010 and 2012, they remain a fraction of the £5,000 maximum penalty.
Warwickshire issued the greatest fines averaging £385, whilst fines in South Yorkshire were practically 50 per cent reduced at £260.
Steve Barrett, head of car insurance at Churchill, said: “A amount of enhancements have been created to tackle the situation of uninsured drivers over the previous couple of years, but there are nevertheless a shocking amount of irresponsible motorists taking to the roads with no mandatory cover. Untraced and uninsured drivers trigger 130 deaths and over 26,000 injuries every single year, so much more must be completed to stamp out this difficulty.”
Preceding investigation by Direct Line Group found that motorists would help a greater fine of £900 to deter uninsured drivers.
Barrett explained: “The typical motorist prosecuted for driving without insurance coverage is fined only a fraction of the highest penalty. Increased fines, specifically those that exceed the value of the average motor insurance premium, will undoubtedly support discourage offenders.”