Male motorists in their early twenties are the worst offenders in the UK when it comes to driving without car insurance. New research also identifies Scotland and Yorkshire as home to the most convictions for uninsured driving.

Money Supermarket's motor insurance analysts looked at nearly three million car insurance quotes over a year and discovered that men in their early twenties living in the Scottish town of Sanquhar in Dumfriesshire have the highest proportion of convictions on their licence for driving uninsured.

Male motorists of the same age living in West Yorkshire and Glasgow take second and third place.

Steve Sweeney, head of car insurance at the comparison site, acknowledges that the high cost of car insurance for younger drivers could have a lot to do with the statistics.

He also points to recent news that the cost of comprehensive car insurance increased by almost 19 per cent in 2009 as a sign the number of uninsured drivers on UK roads could keep going up.

"Whatever the distance, driving without insurance is illegal," he emphasises. "Anyone caught doing so could face hefty penalties which include a £200 on-the-spot fine and six points on their licence."

Motorists without car insurance also risk the possibility of their vehicle being impounded – involving a £150 collection levy and £20 per day charged for storage.

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