Driving Without Insurance in ND - Worth the Risk?

Just had a chat with my buddy who got caught driving uninsured here in North Dakota... fines, license suspension, the whole deal. Got me thinking, um, how many of us have risked driving without insurance at some point? Quick poll:

- Never done it, too risky.
- Did it once or twice, felt guilty.
- Done it regularly, never got caught (yet).
- Got busted - lesson learned the hard way.

Curious to see where everyone stands on this.