Just wondering (maybe this has been asked before). Also, how many of you don't presently have auto insurance?

I'll go first: For a time in my early 20's I had to pay for school. I worked part-time as a contractor. I didn't have the money to afford auto or health insurance, so I didn't have it. In that time, I was fortunate, I only had one small fender bender (cost a couple hundred dollars out of pocket 30 years ago), and minor sports injuries (cuts/strains/pulls, and one hairline fracture that I self-diagnosed and treated). For the past several decades I have had both types of insurance ( auto accident repairs have become much more expensive, and my wife and I have each had major bike crashes). I could obviously get away with not having either, but it would be a bad economic choice. I assume that I will have auto and health insurance for many decades to come. How about everybody else?

No auto from age 18-30.

Medical off and on (mostly off) until I started my business at age 35.

Since I've had both I haven't been in an accident or gone to a doctor.

Technically, you're breaking the law these days if you own a vehicle, are a licensed driver, and operate that same vehicle without being covered by at least minimum levels of auto insurance.

Umm, no. but maybe where you live

You are lightyears into minority territory.

You are also being a little dishonest.

Here's the rub. Since insurance is not mandatory (and its pretty easy to fall into the "not required" category), our uninsured motorist coverage is significantly higher than it is in most other places where I've lived. So basically, if you have auto insurance, you're paying for those that don't.

See any parallels.

I think that you're smarter than that. One of the reasons that HC costs are high is that if people dont have it, hospitals are "required" to provide care. That cost is part of their cost basis, which drives up the cost for everyone that can pay/does have insurance (hence it drives up the cost of insurance). In my State, I pay more for auto insurance (specifically uninsured motorist) because if one of those people hit me, at fault, I pay for it, through my insurance. Since we have more of them, (because its all the people that choose that route + all of the people who break the law), the odds are higher that I'll submit an uninsured motorist claim then you will in WI.

In either case, the people who don't pay/have insurance, drive up the cost for those that do.

Yet, despite all of this, according to THIS Insurance cost in Illinois averages 1290$ and NH averages 1334$. Illinois is ranked 40th cheapest and NH is 34th. Almost all states have mandatory insurance and 33 of them have more expensive insurance than NH.