this post was submitted on 06 Oct 2025
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What op is describing is called "self insured"
Also called "illegal" in most places.
And the flying is, it was much cheaper when it wasn't mandatory. Liability insurance used to be super cheap because people didn't want to pay for insurance that didn't cover their own car. But when states started mandating liability insurance the price skyrocketed.
What grinds my gears though is being required to have liability insurance for every car even though the car itself isn't covered. I'd love to daily drive a super-efficient electric car, but I teach scuba on the side and once or twice a week end up having to haul a bunch of dive gear in my cargo van. But with the cost of liability insurance, I can't afford to keep my van as a beater weekend driver when the time comes to get a new daily driver, so I'll have to buy another fuel-guzzling murder machine that I mostly drive to an office job downtown.
Have you considered a hatchback plus a small trailer?
As someone with the hatchback and small trailer, the extra space + maintenance requirements mean that this is an option only for some people.
I rent, so I'm not showed to store a trailer, so I'd have to pay for trailer storage.
I actually own a little trailer, but I have to keep it at my parents house, which is about 200 miles away.