Most states require drivers to have insurance on your vehicle. This can be called the "financial responsibility law" or simply driving without insurance. If you get a traffic violation insurance charge it depends on what state you are in as to what the penalties are. In New Jersey, driving without insurance is a serious moving violation. Drivers can pay up to a $1,000 fine and have their license suspended - almost the same penalty as a DUI conviction. In some states, you will simply be fined $150 to $500 for driving without insurance. Whether you will add points to your license depends on the state. Some see "no insurance" as a non-moving violation that does not add points. You will likely face other penalties when you go to purchase car insurance. You will likely pay a higher premium than safe drivers. Many insurance carriers will not insure you if you have not had car insurance for the past six months.