They aren't hard to drive on the freeway. They are hard to drive without running over people in neighborhoods. The leading cause of death in children 0-14 is automobiles. https://www.kidsandcars.org/frontovers/media-resources
Almost every driver is, as you say, "properly insured" It is easy enough to avoid kids that death is is rare, and the insurance cost is quite low - even with astronomical insurance payouts for accidental child death.
The relevent question is if it is too high or a problem worth making significant changes to address.
There's no such thing. Standard automobile insurance policies cap injury liability in the low 5 figures. If you cause an accident and someone is seriously injured, there's a good chance you'll be personally liable for the majority of damages. Ditto property--you total someone's $100,000 Mercedes and you're likely going to be paying money out-of-pocket.
If you have any significant assets it's worthwhile to buy an umbrella policy.