What is one reason a driver might mistakenly believe they don't need insurance?

Believing that insurance is optional based on state laws is a reason some drivers might mistakenly think they don't need insurance. In reality, while some states offer minimum coverage requirements, others mandate that drivers carry certain levels of insurance. This can lead to a misunderstanding that if they are not in a state that legally requires insurance, they can opt out altogether. Additionally, some individuals may be unaware of the financial risks and potential legal consequences associated with driving without insurance, leading to such misconceptions.

Having confidence in driving skills, owning an old car, or possessing a perfect driving record may influence a driver's perception of risk, but these factors do not directly relate to the legal requirements concerning insurance coverage. Therefore, the notion that insurance is optional based on state laws provides a clearer rationale for why a driver might mistakenly believe they do not need insurance.