Several provinces in Canada have government auto insurance. One government arm provides all auto insurance, sort of the same as our universal health insurance. It makes a lot of sense. First, it’s consistently cheaper for the coverage. Secondly, there are no serious lawsuits, since it is essentially no-fault. In some provinces, the only consequences of being at fault (vs. the other party at fault) is that you pay your deductible, and your insurance premiums will go up for a few years. No court arguments over who owes what. Medical bills are paid by our UHC, so there’s no court fight over damages or health bills.
I grew up in Ontario, and my parents said I could drive the car if I paid the extra insurance - way too much! Friends of mine from Manitoba say the opposite. Every driver was equal, no age discrimination, it cost the same to insure the family car no matter who drove it. If you were a stupid teenager, you had to prove it in court - one infraction after another - before your license insurance made driving a car too costly. Universal car insurance also meant everyone was covered. Failure to pay your insurance cancelled your license, or you didn’t get the renewal sticker, and your plate number was in the computer; and everyone was covered for a decent minimum level.