I’m also not subsidizing other people’s auto insurance by forced contributions.
I am old enough to remember back when auto insurance was NOT mandatory here in Washington State. The year after they made it mandatory, rates tripled. This was one of my first lessons in conservative economics. If something is not mandatory, then it is priced in such a way that they have to compel you to buy it. As long as they can make a small profit on each transaction, it remains a viable, albeit low profit, business.
However, the minute it goes from being market driven, and becomes a government mandate, a driver who could be insured adequetly for $400 last year now pays $1200 this year. We were told this was just a temporary phenomonon, but that temporary part has lasted almost 30 years now.