I've only ever been the named driver, not had an insurance policy in my name. When I met my wife, she already had a clio. Since then we've bought a new clio, and that takes my 2 (4x12-sized) cabs, amp head, gear bag, ruck sack, guitar in a gator case, and a passenger, no problem. You'd be surprised what you can fit in a "small" car these days!
Oh, and I'm 6'3", too, but I look like a gimp whether or not I'm in a small car ;)
Roo