I would not drive anything on the road without insurance. Imagine if someone were to hit you and leave the scene after causing serious injury. Or, of course, the culprit does not have insurance or is under-insured.
The bottom line is you could be a serious financial trouble if you are not insured. You can also be sued if you hit someone or cause injury. In the US, it simply isn't smart to expose yourself by not having insurance for activities where injury or liability could be a factor. An unrelated example: I have been flying model airplanes and helicopters for decades. I have a million dollars insurance to cover that activity.
The bottom line is you could be a serious financial trouble if you are not insured. You can also be sued if you hit someone or cause injury. In the US, it simply isn't smart to expose yourself by not having insurance for activities where injury or liability could be a factor. An unrelated example: I have been flying model airplanes and helicopters for decades. I have a million dollars insurance to cover that activity.