Not all insurance works that way.
In Washington state (and some others) there is such a thing as “broad form” insurance. It insures the driver, not the vehicle.
I got 3 rigs in my driveway. It got way too expensive to insure them all, and I was fed up with getting nickel-and-dimed all the time by my insurance company.
I told them to take a flying leap and now have broad form insurance, at quite a discount, and can drive any of my rigs at any time. Whatever I drive is covered.
I know, we have the possibility of that type of insurance here in Indiana as well, however, I did say most, but maybe I should also add the qualifier of most non commercial vehicle insurance.
Also, in some states, you don’t have to have insurance, just have to be bonded.