Traffic insurance violations depend on where you live. Every state has a different law. In Idaho, failure to show proof insurance results in a fine of $75 and you must show proof of insurance for up to year. But in New Jersey, an insurance violation has a penalty that is almost as severe as a penalty for a DUI. Even for a first offense, you will pay a large fine, face having your license suspended for a year and will be required to perform community service. If you are involved in a traffic accident and you don't have insurance, you could face an automatic license suspension. Besides the traffic insurance violations, your will have a hard time finding affordable insurance. Many companies will not insure you if you have not had insurance for the past six months. You will also pay a substantially higher rate than safe drivers who have not let their policies lapse.