You can get a license with only the bare minimum "mandatory" insurance.
True. Consider however the catastrophic fund bank the state has.
Vehicle Insurance Cost Increase — As the result of the Michigan Catastrophic Claims Fund running a deficit, the cost of automobile insurance attributable to these types of claims will increase 11.4% to $141.70 effective July 1, 2005. This Fund pays health insurance costs in excess of $350,000 and is currently paying out some $50 million monthly. This cost is built into the insurance rates companies charge for automobile insurance. The Claims Fund Association is a statutorily created private, non-profit entity.
http://www.mi-sera.org/lr/2005/0405.html
No tickets, accidents, claims, living in suburbia, 2 adult drivers, one 4 year old minivan, and I'm paying $1,400 a year for ins. and that is cheap here. So 10% of my rate goes to protecting other peoples 'right'. Don't make sense dude!