insurance companies need to be holding the car manufacturer’s feet to the fire by not insuring cars

I agree with the sentiment, but unfortunately that screws over the owners far more and for far longer before it even impacts the car manufacturers.

Maybe a better attack (aside from government regulations) would be banks to not provide financing for loans to buy those cars. In the end, if the car is stolen they are at a loss so that makes sense.

People can’t get loans, so don’t buy the risky vehicle. It hurts a little in the now to direct them towards cars that will not be a problem in the future. And the car companies feel the sting of lost sales right away.