>The free market is required to accurately price the risk for each driver. That same market means some will decide that not having insurance is a better deal.

>The free market is required to accurately price the risk for each driver. That same market means some will decide that not having insurance is a better deal. Tying insurance to something like drivers licences increases the cost of not having insurance. >I do not see how a state-provided solution would come up with "accurate" pricing for individuals. Can the state not hire actuaries?