Driving is not a right; it is a privilege and therefore the state can require one to have insurance. In the second place, the only place where it is the purview of the frigging federal government to require car insurance is on federal installations and military bases.
Owning a firearm is a Constitutional RIGHT, and the federal government, nor the state has the right to require it.
This is an ugly option. I have worried for a long time they might do this via homeowners/tenant policy. Just like car insurance it would land on the responsible gun owner...the crooks and illegals would still go without. They have nothing to loose. If they do this..we would need to start a cooperative insurance company..like USAA..to cover one another. Maybe that would be a good move..then that organization would be another one to lobby for our gun rights.
The constitution bestows no rights. The so called Bill of Rights is nothing more than an enumeration of limitations on the government to protect various rights.
From our right to life springs, among others, the right to bears arms to protect that right.
From our right to liberty springs, among others, the right to move about freely using whatever conveyance is standard for the day.