In British Columbia the fine for driving without insurance is $520 and a 15% surcharge. In Ontario a first offence is a minimum $5000. On a subsequent conviction the minimum fine is $10,000. The accused also risks losing his licence for 1 year.
American studies indicate that that as many as 75% of suspended and revoked drivers continue to drive at least occasionally. A Guide for Addressing Collisions Involving Unlicensed Drivers with Suspended or Revoked Licenses(Washington Transportation Research Board 2003)