I understand that when using
have to in a sentence, the meaning is clear - something needs to be done and there is no choice about it. For example:
You have to have car insurance to drive a car.
However, it would be wrong to say
You should have car insurance to drive a car.
because it would mean that you have a choice.
Is this correct? Is there a degree of how mandatory is the action and can it be changed by using
got to vs