Genuinely how do people afford insurance/how does it make financial sense?

I don’t have anyone to ask, and I know it’s a very basic question so forgive me, it’s just something I can’t wrap my head around.

I’m a new driver, looking to become insured and purchase a vehicle. The cheapest quotes I’ve been getting are 3k+ annually. I know I’m a bit naive, but genuinely how are people affording that?

On top of that, I can’t wrap my head around that if I’m going to buy a used car for like $9000, that in 3 years I will have paid more insuring the car than the car is worth. Why not just buy a new car every 3 years? I know that’s not how it works and I’m sure there’s something I’m not understanding. I know it’s a stupid question, but I can’t help I’m baffled at how expensive insurance is, especially relative to the price of a car.