MY father-in-law, who is in his nineties in age, was refused renewal of his Washington State-issued auto insurance BECAUSE HE DOES NOT HAVE ANY CREDIT CARDS OR DEBT, or so they said.
He never filed a claim and had always paid his premiums on time. He owns his house outright with no mortgage.
He did manage to get auto insurance with another company and he no longer drives but still owns his vehicle which must be insured to be registered.
You do not have to have ins to register a vehicle in WA state.
in fact you are not required to have ins at all.
All you need is proof of financial responsibility.
Fun fact Bill Gates got a ticket in medina (rookie officer) for failure to provide such proof
It was dismissed as was the officer