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you do not have to carry any car insurance when driving on public streets. I carry copies of the RCW’s ( State Laws) in my glove box for the cops when I get pulled over. They get really pissed when I don’t pony up insurance and just tell them that the law does not apply to me. I’m exempt from that silly Law.
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That seems odd that you don't have to carry insurance on Collector vehicles.... I understand if it never saw a road, but if it saw any amount of driving on public roads, I would think insurance is a must. Are they thinking that Collector vehicle owners are more responsible and drive better in that car than in a newer vehicle?
I looked into here in Oregon and I didn't see any benefits to it at the time. I do have to register my truck every two years, but it is not too bad, and I am DEQ exempt, so I don't have to pay that either.