Insurance is a maritime contract and subjects you to the Admiralty Jurisdiction where rights are irrelevant. I don't think government has the (defined and limited) power to compel anyone into a maritime contract.
Anyone knowing more than I, please set me straight.
[[don't give me this drivers license stuff. It's a long story but the definition of "drive" is using the roads in an extraordinary way. You have a right to use the "ordinary conveyances of the day" on your public right-of-way without obtaining permission or 'license'. Using the roads for commercial use or big trucks is a privilege, traveling is a right under the Liberty clause. So most people don't need a license, unless they are driving the bank's car, selling ice cream, etc. So you volunteered into a regulated enterprise when you asked for the license and have to follow its rules which includes buying insurance.]]

