在加州好像你可以不买保险, 只要你给DMV交足保险押金, $35,000. 你就算是自保险了。
https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/
Types of Insurance Here are the types of acceptable insurance: Motor vehicle liability insurance policy. Cash deposit of $35,000 with DMV. DMV-issued self-insurance certificate. Surety bond for $35,000 from a company licensed to do business in California. For information regarding cash deposits or self-insurance, contact DMV Financial Responsibility Unit at (916) 657-6677 and select Option 3. To locate a company that issues surety bonds, contact the Department of Insurance at insurance.ca.gov or by calling 1-800-927-4357.