This has happened to me before and I'm in Calfiornia where it's required by law to have insurance. Nothing happened to me though, all the cop did was tow my car to the pound where it was impounded for 30 days, and I had to pay almost 1k to get it out of the pound!
I was never arrested and never had to pay any additional fines, which is weird because according to CA law I think the fine is like 1k. All I did was go to court and show the judge proof that I have CURRENT insurance, it did not even cover the time period of when I was arrested (I paid my insurance late) And they let me off the hook! All I did was pay a $10 processing fee at court. So if she has the chance to go to court it's realy easy to get off, I think they are happy that you just show up. I am so happy I went to court, if I didn't I would have had to pay the fine, just go to court!
I never had probation or any legal woes because of this.. All I had to do was get an SR-22. My insurance rate is also lower, I only pay $124 a month so it did not even affect my rate.
I also had an expired license, because the insurance CO notifies the dmv if your insurance is not paid for here in CA.
I never got put on probation so don't worry!
This is also how I quite going to my 9-5 job because my car was in the pound, and starting webmastering full-time!