I’m not sure that every state requires car insurance, but regardless, the requirement is from the state, not the federal govt. That’s a key difference. Here the federal govt is compelling you to engage in a private commercial transaction. The constitution gives it no such power.
The state probably does have that power.
Also, driving a car is an option. Here the feds say everyone has to have health insurance.
I’ve gotten several answers like that ... what I was looking for was this editorial that laid it out pretty good. Not saying that the statements here are bad, but someone wrote a great piece on it ... thanks for your answer too ....