You can wreck 2 cars with 1 driver.

Insurance is loosely based on your car value, but also reflects the
amount and cost of accidents in the area you travel.

It's not fair, it's discriminatory.... unless you can post a liability
bond with the state you live. Basically, you'd need to set the minimum
liability (usually $25000.00) in Bond Account and prove that you have
the assetts to uphold extended fault liability. Then you dont have
insurance (self insured).