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When car insurance went mandatory, the only effective way to opt out was to either get rid of your car and take the bus, or drive without insurance and hope to hell you didn't get caught. Then some states started making having proof of insurance as part of the annual auto registration plan.
Of course, you are going to have to check off a blank on your Federal income tax form, and if you don't have the insurance, you'll get dinged with a penalty that will be backed up with the same force that is used to collect back taxes. I suppose that if you worked 100% off the books, you could avoid it, but most of us wouldn't possibly have that option.
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