You are required to have minimal auto insurance. That's set by the gov't.
While the differences in health and auto insurance are vast, nevertheless,
the gov't forces you to buy it.

If you don't have a mortgage on your home and you don't have liability
insurance, you're a sitting duck for a lawsuit that will bankrupt you. Is it
worth it?

If you can pay your medical expenses as they come up, go with God. Most
people, when faced with a high treatment cost, can't do that. I knew a guy
who was a multi-millionaire. His wife got cancer, and he had to sell
everything to pay for her expenses. He still went belly up. She lived.

Despite the fear-mongering, no one is talking about taking away your choice
to not have have insurance.

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Nom=de=Plume