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In many states, you actually need (liability) insurance to purchase a car. And you can’t get car insurance without a license. Some states have a grace period, but it is required. Even if you only intend to drive it on your own private property. Is it enforceable? Probably not, but it is the law.
Not only that, legally you still need to register your car with the state. I’ll concede the “you can buy cars immediately but not guns” argument, but that really only applies to some states. In Wisconsin, you don’t need to register nor is there any waiting period.
As for the “justified” argument, of course you are justified in those cases—but you can still be charged. Hell, my grandmother had to go to court for driving me (without a license) to the hospital in the 90s.
No you don't. That's a requirement for vehicles that will be operated on the road.
There is no requirement anywhere in the nation for liability insurance on a vehicle that will be operated solely on private property.
There is no requirement for liability insurance on a tractor, a ride on lawnmower, a dune buggy, a dirt bike, a demolition derby car, or similar unregistered "vehicles".
That is simply false.
As for your grandmother: a "charge" is merely a question for the courts to answer. "Did this woman break the law for driving her daughter to the hospital?"
If ever forced to use a firearm against another person, any reasonable person would expect a similar question to be asked, and the courts to supply the answer. "Charges" are nothing a reasonable, responsible person need fear.