Many states require approval for various rates, so it’s easier to just not insure.

At some point that becomes unaffordable for most people.

Then it becomes like insuring priceless art, people are just priced out of it, especially if it's a requirement to owning/driving it in the first place.

Perhaps these become undrivable and get their own stage in some art hall.

In many places there is no higher cost insurance to offset the risk.