I trust that you have been railing against your state government, if they, like most of them, mandate that you buy car insurance?
As a Constitutional "originalist" (the principle of interpretation that tries to discover the original meaning or intent of the Constitution), I support "states rights" via the tenth amendment, the text of which is:
The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.
The tenth amendment, upheld by numerous Supreme Court decisions, has as its principle that, the Federal government is limited only to the powers granted in the Constitution (known as enumerated powers), but that, however, the States have rights to pass laws as they see fit under their own constitutions (so long as they do not supersede Federal law). A relevant example would be that, before Roe v. Wade (an atrocious abomination itself with manufactured fantasy derived from the 14th amendment), in the early 1970's for example, since abortion was not a Constitution right, individual states had the rights to pass laws legalizing abortion, or making it illegal. And so it was, as it was legal in New York State (and others) to obtain an abortion, many women traveled to these states, paid their $200, and had an abortion. It was not legal in my state, so many chose to travel to states where it was legal.
Women had access to abortions, (albeit 'less convenient') but it was the State's right to determine its legality. If a citizen does not like the laws of their state, they are, as free individuals, free to move to a state more to there liking. This is what is great about America - to express and act on your views either by electing like-minded representatives, or moving to a place more conducive to your beliefs and what our founding document described as, "Life, Liberty and the pursuit of Happiness."
I have some personal experience with some of these musings: I used to live in a state (Michigan) with oppressive taxes of all kinds, a governor (Granholm) who drove the state to near collapse, and a full-time legislature
, whose job it seems, is to protect certain political constituencies, rather than serve the people as a whole. Case in point: my cousin started out "on the line" at Ford Motor Company; became a UAW union steward, became a local city councilman, then became a State representative, got term-limited, then became a State senator. His pay is $71,650 per year, with generous allowances, including $12,000 for "office expenses." His pay is second only to California... and believe me, his position and stature allow him to never pay for a meal, or many other perks, the like of which many of us will never experience.
He is now running for a national political position in the House of Representatives. In my state (not far from Frys Girl), however (where I moved TO to escape high taxes, etc.), we have a part-time legislature which meets every 2 years for a month or two, gets their business done, then goes home to their "real" jobs and families. Our state has a surplus, and an unemployment rate below the national average (~6.2% give or take).
So, perhaps to your surprise, while I do not necessarily agree with mandated car insurance purchases by most if not all states, I do defend their Constitutional right to do so pursuant to the tenth amendment. The Federal government is limited by enumerated powers, as envisioned by our Founding Fathers as a representative republic, with Federal power explicitly limited so as to avoid tyranny. I personally feel we are living in a soft-tyranny, and recommend "Men in Black" (describing the utter idiocy of many Supreme Court decisions), "Liberty and Tyranny," and "Ameritopia," all written by Mark Levin. I'd also recommend almost anything by Milton Friedman, where he eloquently describes the nature of free economic markets, individual liberty, and the role of government.
Damn! That was way longer than I intended. Loquacious is my middle name. I'm exhausted so pardon any grammar errors.