Is that true? Or is it that you need insurance to drive on the government owned roads and you don't need insurance to own a car or to drive on private tracks?
No, it is certainly NOT true!
That's why there can be bazillions of old unregistered cars and trucks in garages, barns and back yards, and you sign a thick stack of wavers absolving everyone in sight before anyone lets you on a race track.
In any case, there is no Constitutional right to drive a car. Even if Congress went to the 'rats and a 'rat President signed this, it's unconstitutional. First, she needs to get rid of that pesky Bill of Rights. (While we're at it, how about repealing the 19th Amendment?)