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Find out the laws in your location. Period. If you're not required by law to have insurance, then you'll be OK. If you are, then find out the laws regarding THAT where you live.
In GA, you have to have insurance to drive a car off the lot. If you then cancel it/let it lapse, the insurance company notifies the GA DMV and your license is suspended. THEN if you're found w/o insurance you'll also get busted for driving on a suspended license.
I'll tell you what I tell my 20 year old with 3 tickets and a totalled car on his record: If you can't afford insurance, you can't afford a car.
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