How consumers legal obligation to subscribe/buy some good or services affect market and prices ?

[Anonymous No.1409448]

Hello /biz/, i tried to figure the question by my own but i was unable to find anything useful, maybe you guys can help me.

I would like to know in what extent consumer legal obligation to buy or suscribe for good or service affect the market.

I started to wonder about this regarding insurance policies (car, house,...), which are mandatory in some states and optional in others.
Does it affect prices and/or quality of them, depending on their level of "mandatoriness" (since law can be enforced in a more or less hard way) ?

Also same though for any good the consumers could normally decide to buy or not, but state make it mandatory, like having a fire detector in your house (which is theorically mandatory in France, where i live).

So, do you guys have any infos/data ?