Amount of active insurance policies is slightly below 27 million: https://piu.org.pl/wp-content/uploads/2022/04/ubezpieczenia-...
That would rate us below Canada but before France.
What's also interesting is that Poland is absolutely not designed around cars. Most communist blocks were designed for few times less cars. The main cities are still not fully connected by highways. We have perfect size country for high speed trains.
Americans drive far far more than most other industrialized nations.
https://frontiergroup.org/blogs/blog/fg/fact-file-americans-...
https://www.fastcompany.com/90771003/american-roads-are-desi...
It doesn't really matter when US has 56 times the cars of the first 6 countries combined.
You're comparing San Marino (a small city) with the entirety the US. It's just noise.
Consider also that San Marino, Andorra, Monaco, Liechtenstein and Malta are all very small and rich countries. It is normal for the wealthy to own more cars than necessary. Not so normal for tens of millions of americans who live currently under the threshold of poverty.
I suspect the other countries could do with way less cars, americans would still need more than they have (given the lacking public infrastructure) but can't afford them.
And the relevant metrics would probably be something like miles driven and average speed, not the number of cars per capita. Jay Leno or Jerry Seinfeld may have 1,000 cars each but they can only die in a car accident once. Every in San Marino owning a car doesn't mean anything if they only drive it 15 mph through their city streets which were mostly all designed before the advent of cars.
Per: https://en.wikipedia.org/wiki/List_of_countries_by_vehicles_...
US is 7th country on cars / people metric, below New Zealand and just above Poland.
Yet this is upteenth time I read that US is "designed" around cars as if dependance on cars was some unique property of US.