How many cars do they think I can drive at once?

Why does it cost more to have liability insurance on two cars than it does to insure just one? I can’t wreck more than one car at a time.

It should cost the same to insure (liability and collision only) 37 (just an example) cars as it does to insure just one.

I understand that comprehensive coverage should be on a per-car basis. The risk of damage other than that caused by wrecking (tree falling on it, etc.) increases linearly with the number of cars covered.

Why do the insurance companies charge more for multiple cars?

Because they can.