Various penalties are given for driving without insurance in Ontario. If you are caught driving without an insurance in the state of Ontario or any subsequent province in Canada, you will be fined and you will face heavy penalties. In Canada, driving and insurance go hand in hand. Believe it or not, there are still drivers who still choose to drive without insurance. The penalty for such offenders is around $10,000 to $25,000. Or in other cases, a jail term of up to five years.