[alanmcorcoran]

I don't know if it is still available, but in at least one state I lived, you had the option of insuring yourself. You had to post a bond with some governmental agency (I think it was 30K at the time, maybe 50K) and, then if you didn't have any accidents, insurance cost you nothing. Of course, you could lose your whole bond, too. The reality is, unless you can predict the future, no one knows what it "actually" costs to insure someone. It's a pooled educated guess at best and, in times of unanticipated greater levels of catastrophe and chaos, is often wrong. Rates often go up in one year to cover the mistakes of the previous year.

I have been told flat out by one of my previous insurers NOT to buy MC insurance from them as they knew they were not competitive.