There is self-insurance in some places: * https://www.motor1.com/products-services/auto-insurance/automobile-self-insurance/ https://www.motor1.com/products-se

There is self-insurance in some places: * https://www.motor1.com/products-services/auto-insurance/automobile-self-insurance/ https://www.motor1.com/products-services/auto-insurance/auto... * https://www.caranddriver.com/car-insurance/a36421647/self-insurance-car/ https://www.caranddriver.com/car-insurance/a36421647/self-in... The minimum legal requirements in the US are not that high either: * https://en.wikipedia.org/wiki/Vehicle_insurance_in_the_United_States#Requirements_by_state https://en.wikipedia.org/wiki/Vehicle_insurance_in_the_Unite...