What a dumb question.
1)It’s not mandatory that I have a drivers license. No need for a car . No need for car insurance.
2)But if I wanted to buy a car and paid cash, I could have it deliver to my house and store it without buying car insurance or tags.
3)I could have it deliver to my house and if I owned a large enough property, I could dive it on my property without car insurance or tags and deduct the fuel (road) tax from my income tax.
I had to have insurance on my house but only while I was paying the mortgage. Now that its paid off I have insurance by choice.
The riding mower on the other hand doesn’t need plates or insurance.