no i wouldnt simply because youd have the money you were paying for insurance anyway and the insurance company screws you. you could not have an accident for years and then you have a fender bender and you should have put more then enouh money into the company for them to cover it but then they raise your insurance i think its just wrong for that but i think it'd work out if ppl settled things themselves alot less ppl sueing eachiother atleast

No! Especially in this state! Man, it's more than any state i've paid in before.

given what i know now...for sure.

but you have to cause when I let it expire they said they can't insure me cause I haven't had insurance for BLAH BLAH BLAH

Yes, assuming that unlike you, the “party at fault” is carrying at least basic liability coverage, his or her insurance will pay for the damage incurred by their client. However, if the fault for the accident is shared, for example 50-50, then the other driver’s insurance will cover his or her portion of the damage, but will only cover your portion if the other driver is also carrying uninsured motorist insurance. However, uninsured motorist insurance is not obligatory in every state, and you should not count on it. Whatever the insurance situation of the other party, not carrying auto insurance is against the law, so you would be wise to buy it. Penalties for non-compliance with insurance laws vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states.

If you had read the question, it asked "if you did not have to", meaning legally you did not have to. It is what is known as a hypothetical question.