The NC insurance system has a lot of flaws. It is so easy to drive without insurance. When those with insurance have to buy separate insurance to protect them against those who do not have it, something is wrong. Why not do it like this: Require Liability insurance to get a driver's license. Pay for 6 months or a year, get your license and if your insurance lapses, your license is suspended. This would work a lot better than insuring the vehicle itself. You would be covered to drive any vehicle you or anyone else owns. If you wanted other coverage such as comprehensive or collision, that would be on the vehicle of your choosing, but the liability, which protects others, would be on the individual driver.