This is your personal choice, but you've to contextualize this in a larger framework which for most people is society. So if there are lets say, 90% good drive

This is your personal choice, but you've to contextualize this in a larger framework which for most people is society. So if there are lets say, 90% good driver and 10% of bad drivers, if you are happy to pay less (and you belong to the 90%) then you'd have a 10% people that either pay a lot for their insurance or don't pay it at all because it become too expensive. So lets say out of the 10% drivers that have a bad behavior, 50% of them (thus 5% or the total) go out without insurance. Now, it you are, for some reason, unlucky enough to meet one of the 5% without insurance and, unfortunately, you are on a car accident with one of them and that person run away without giving you a chance to ask for damage and, even if you can, he has nothing to repay off this damage, would you be happy?