Well, there is the alternative that prosecution is low enough in case of accidents that insurance payouts are low and consequently insurance is low priced. Also, the majority could easily vote for price controls on car insurance like they have on home insurance.

I can easily construct arguments along the lines of “cars are necessary to drive and insurance costs are regressive since they don’t scale with income so we need to have price controls on insurance for low-income drivers”. These will be quite popular.