Leet me make it as PLAIN as possible. YOUR ARE NOT REQUIRED TO HAVE AUTOMOBLIE INSURANCE JUST BECAUSE YOU OWN ONE. A simple example is a truck that is used on PRIVATE LAND ONLY, such as a farm. States can reequire you to maintain auto insurance as well as license tags if they choose by law. If you don't use the government roads then you don't have to have insurance. Let's take another example. Say you own a restaurant and you require all men to wear a coat and tie(there are some restaurants that do), then you must wear a coat and tie to be served in that restaurant. That doesn't mean that you can't choose another restaurant.
Take a look at your state's laws to drive on the roads. I think that you will see not only the requirement of insurance but other regulations such as weight, length, maybe emissions inspection ect. All of these do not apply unless you WANT THE USE THE ROADS. nOW DO YOU UNDERSTAND THE DIFFERENCE??