Randall, when I lived in Washington I had insurance that covered just me irregardless of vehicle I operated and consequently was quite affordable ( here one insures all one's vehicles even though one can drive only one at a time).
Insurance is just another form of gambling anyways, and the house always wins statistically. You are betting your claims will exceed premiums while with it's actuarial tables the insurance company is betting you will accept a premium that allows them to collect more than they will ever pay out, plus a minimum profit acceptable to investors and management. You, the insured, get piece of mind and legal conformity. Insurance company gets operating expenses plus profit.