“I don’t really have a problem with mandatory auto insurance.”
I’ve put $30,000 into car insurance over the decades and have received not one dime back, and you have no problem with that concept. How about if I make you pay my car insurance, you would get no benefit but the gratification of having saved me pumping money down a black hole to support drunk drivers. How does that feel?
I presume from your comment that you have no idea how insurance works.