> If the goal is to subsidize a specific population, then that should be a government function via taxes.

As I understand, all 50 states require insurers to write high risk drivers policies through assigned risk plans. I guess you could shuffle the money through the state as well, but it seems like an inefficient way to accomplish the same.

But really, car insurance and their respective mandates exist to protect the innocent, not drivers themselves. e.g. No state requires that you insure your property.