Plenty is being done to penalize uninsured drivers — or, rather, to keep drivers from being uninsured in the first place. Now, yes, sometimes it is hard to even think about paying car insurance premiums when money is tight and you are having a problem making mortgage payments, house payments, when it is hard to buy food for your family. But when you drive without insurance, you are putting both yourself and every other driver you ever pass at risk.
Recognizing this, most states are putting into place systems and/or legislation designed to keep drivers from being uninsured. For instance, your tags may get canceled if you lapse on your auto insurance policy, making it illegal to drive your vehicle. Doing this can lead to fines, jail time, and the suspension of your license.
There is also legislation in the works designed to create even harsher penalties for drivers who do not have insurance.
It’s kinda hard to get car insurances though. Like you mentioned, money is tight. How can they expect the poorer people to be able to pay the premiums.