Unless you live in cities like San Francisco or New York, where public transportation is robust, you must drive a vehicle, ride a bike, roller skate, etc. So, the vast majority of the population in this country have no choice but to CHOOSE to drive a car, and they MUST have insurance. The reason many of us pay exorbitant car insurance rates is because some do CHOOSE to not buy car insurance, so when they get in accidents or cause damage or both, we all pay for them. It's the same principle.