Getting a new-used car home...

I would insure the car for sure before picking it up. It’s moreso a question of how do I pick it up without needing 2 trips, because I would be picking it up in the evening and DMVs all close early, so no dice there.

If the car has insurance on it, and I have a signed title showing I just took ownership of it, how much trouble would I hypothetically get into if I was caught?