Driving with only the minimum car insurance may be expensive because you may not have enough coverage for any damage that you cause. However, it is far more costly to drive without any insurance coverage!
The first time you are caught, you’ll need to pay almost $250 in administrative fees and go to court. Your license will be suspended, and there is a good chance you may need to get an SR-22 certificate. If so, you’ll need to keep it on file for at least a year.
For a second offense (within five years) and other offenses within the same timeframe, you may have to pay $1,000 in fees and/or spend up to six months in jail. Your license will be suspended, and you must pay $85 to reinstate it. And that SR-22 will now need to be on file for at least three years.