Bring all vehicle insurance into public ownership

I want the Government to do this to stop the exploitation of young drivers who already earn barely anything and are expected to pay thousands just because of the area they live in, their age or the vehicle they chose. Bringing vehicle insurance completely into public ownership will allow for the Government to set a specific rate based on age or vehicle, increasing costs for any declarations such as penalty points etc. this will increase the amount of money going into the public budget as well and allow full control.