A ticket for driving without insurance can be a costly affair. If it is a first offense, the fine can range from $90 to $500 and may involve some community service hours because of the serious nature of the offense. This is not a laughing matter, as the bare minimum fines usually begin at $75 and quickly reach the $200 mark. The judge or clerk-magistrate also has the right to increase the fine to as much as $1,000, and place you behind bars, for two to three years. These greater measures are likely to occur if this is your second or third offense for the same issue.