What are the consequences? For most drivers most of the time, they save a few hundred bucks a month. If caught, they'll issue a ticket with a fine that's about a month or two of insurance. Maybe their car will get impounded (unlikely). Maybe they'll face jail time with enough repeat offenses, but once again its unlikely they'll get pulled over in the first place. We'll just continue crushing the poor.
The consequences for those they harm are pretty severe. Having your car destroyed can be lifechangily expensive for someone who is barely scraping by. Adding healthcare costs on top of that are pretty bad. Even with health insurance injuries from a car accident could get expensive fast, and add to the fact the single most expensive thing you owned just got destroyed while you're now unable to work. Too many people forget about the costs of driving they impose on others, thinking "that won't happen to me, I just won't hit anyone".
Driving without insurance is an incredibly reckless and selfish act.
> In cities, definitely. In rural areas?
Most people don't live in these "rural areas". And even then, I'd argue those "rural areas" could do quite a bit to reduce car dependence. Once again, how can these places solve transportation issues for those who can't afford insurance?