The penalties for driving uninsured, without auto insurance in most states involve stiff fines and possible jail time, even for the first offense. In addition, drivers who are discovered to be operating a vehicle on the roadway without auto insurance may be placed on probation and be compelled to provide proof of insurance to the court system each month. These are just the legal penalties. If you are involved in an car accident, regardless of fault, you may be sued and held personally liable for injuries to other people on the road, or for loss that occurs to property that is damaged during the accident.