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.
Your lender required it as a condition of loaning you the money, the government didn't require it............Unless it was the government that loaned you the money.
I know of no state that requires "full coverage" insurance, states require liability insurance only. However if you borrow the money to buy that car, your lender will almost certainly require that you have that "full coverage" to protect their investment.