You are correct, but, I looked it up and found this: "No, all states do not require car insurance, but all require financial responsibility to operate a vehicle on the roadway.

Every state requires that you meet financial responsibility requirements through insurance, a bond or some other approved means that show you are able to pay if you cause damages to another person or property in an automobile accident." I'd provide the link but it's a site that gives insurance quotes, so idk.