I thought for my state there was no need for insurance, but turns out in 2019 they started requiring it. Seattle rarely gets snow so I didn't think about weathe

I thought for my state there was no need for insurance, but turns out in 2019 they started requiring it. Seattle rarely gets snow so I didn't think about weather conditions. I think a motorcycle couldn't work for your case, but some sort of one or two person on road / off road vehicle would still be cheaper than buying a car.