The answer is definitely yes. You might be a careful person, obeying traffic laws, no speeding, and so on. But you never know that someone will do the same as you. Anything could happen on the road, whether it is other driver's fault, environment or animal. Or maybe you will be at fault. There are a lot reasons why it is important to have car insurance.

Car insurance is not only cover a collision claim but also cover weather damage, animal damage, falling tree, theft, or even vandalism. It will be really expensive if you have to pay those repairs with you own pocket. If you are concerned about the insurance's premiums, you can choose to raise your deductible so that it will lower the premiums. 

Please keep in mind you have to compare the coverage's cost verse the value of your vehicle.

The reason you need car insurance :

1. If you live in an area where crime like theft and/or vandalism occur regularly

2. If you live in an area where natural disasters such as hail, tornado, flood and so on often occur

3. An animal like deer might run in to your car when you drive

4. Someone might hit your car

5. A tree could fall on to your vehicle

6. You might crash into building, other vehicle, or railing

7. And any other cases

Some states in US require you to carry car insurance. The amount of car insurance as a minimum on each vehicle are varies on each states. It also apply on what type of insurance are required. In some states, you might have to purchase comprehensive and/or collision, while other states requires you to carry liability or more. If you fulfill your state's requirements regarding car insurance, you keep yourself legal to drive.