If you get into an auto accident and you don't have insurance, you'll most likely get your car towed away and you'll be issued a ticket and you'll have to appear in court
You'll be hit with a lot of fines and might be sued by the other driver if you were at fault in the accident.
If you weren't at fault then the other person if they had insurance on their car will have their insurance company pay for your damages.
It's much cheaper to just get auto insurance than it is to risk getting caught or getting into an auto accident without auto insurance.
If you're in an auto accident without Auto Insurance and you get into an accident and you decide to sign up for auto insurance after you get into an auto accident then your rates will most likely go up.