A person who wish or already own a car and wish to drive it, should have a car insurance. In general term (especially to those civilized or concerned places or countries), car insurance is a must. Hence, car insurance is in demand especially here in United States of A. It is a must or else you are in trouble even if you haven't gone into car accident, one cannot drive without it. It is a need, not a want though some countries, it is just fine. As I said, not common as long as a person has a driver's license and it is already up to the driver to get it if they want it but that is no good. Car accident is uncertain so one should have to think in advance the "what-ifs" and be prepared. And car insurance is an answer for that. Think about it aside from an insurance of a car is a basic need of a driver. It would ease the bulk amount if accident happen (God forbid!).