And as far as I know, car insurance isn't optional....
I'm going to for a second.
In Indiana, car insurance is optional as long as you provide proof to the state that you can provide financial responsibility. For more info, read through the code:
http://www.in.gov/legislative/ic/code/title9/ar25/ch4.html
http://www.in.gov/legislative/ic/code/title9/ar25/ch5.html
However, unless you are a multi-millionaire, I'd advise getting insurance.
Disclaimer: I am not a lawyer nor am I giving legal advice. This is just my opinion based upon my understanding of the law.