Mandatory insurance used to be illegal.  Look it up.  Why?  Because when you tie what amounts to a collective safety net to commercial enterprise, gouging, price collusion, etc. are inevitable.  We can have a perfectly functioning safety net by individuals paying into a collective 'pool' when they renew their license.  The infrastructure (government transport offices) for that is well in place in every municipality in Canada. If someone has a lot of tickets etc., they pay more.  Simple.  Commercial insurance is not needed for something as ubiquitous as driving. Insurance companies in Canada today engage in brutal gouging.   It is a very profitable business for them; despite protestations to the contrary.  You know what boys, if it's so unprofitable, why don't you give it up?   Yeah right.