Uninsured drivers by state | CarInsurance.com
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Uninsured drivers by state


About one in eight drivers on the road in 2015 was uninsured, according to the latest data from the Insurance Research Council (IRC). The nationwide uninsured motorist (UM) rate increased from 12.3 percent in 2010 to 13 percent in 2015. Uninsured motorist rates varied substantially among individual states, ranging from 4.5 percent in Maine to 26.7 percent in Florida.

The IRC report, Uninsured Motorists, 2017 Edition, examines data collected from 14 insurers representing approximately 60 percent of the private passenger auto insurance market in 2015.

If you are among those driving without a car insurance policy in place, consider getting the cheapest car insurance you need to drive legally in your state. That way you won't have to pay for damages and medical bills should you cause an accident, and you won't be cited and face fines and suspensions.

If you do have insurance but you’re involved in an accident with a driver who doesn’t, uninsured motorist car insurance helps pay the bills. If you’re hit by an uninsured driver and don’t carry collision or uninsured motorist coverage, you would have to pay your own repair bills or go after the at-fault driver in court.

Driving without insurance has consequences beyond being liable for damages if you're at fault in an accident. There are penalties for driving without insurance in every state, which typically involves fines of several hundred dollars and the potential to have your license and registration suspended.

In 20 states and the District of Columbia drivers are required by state auto insurance laws to have uninsured or underinsured motorist coverage. More than half of the states have passed laws and begun to develop and implement online auto insurance verification systems to identify uninsured motorists, according to the Insurance Information Institute.

States with the highest and lowest estimated percentage of uninsured drivers

HighestLowest
RankState% uninsuredRankState% uninsured
1Florida26.70%1Maine4.50%
2Mississippi23.72New York6.1
3New Mexico20.83Massachusetts6.2
4Michigan20.34North Carolina6.5
5Tennessee205Vermont6.8
6Alabama18.46Nebraska6.8
7Washington17.47North Dakota6.8
8Indiana16.78Kansas7.2
9Arkansas16.69Pennsylvania7.6
10D.C.15.610South Dakota7.7

* Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claim frequencies.

Source: Insurance Research Council.


Estimated percentage of uninsured motorists by state

StateUninsured %Rank
Florida 26.71
Mississippi23.72
New Mexico20.83
Michigan20.34
Tennessee205
Alabama18.406
Washington17.47
Indiana16.78
Arkansas16.69
D.C.15.610
Alaska15.411
California15.212
Rhode Island15.213
New Jersey14.914
Wisconsin14.315
Texas14.116
Missouri1417
Illinois13.718
Colorado13.319
Louisiana1320
Oregon12.721
Ohio12.422
Maryland12.423
Arizona1224
Georgia1225
Kentucky11.526
Minnesota11.527
Delaware11.428
Nevada10.629
Hawaii10.630
Oklahoma10.531
West Virginia10.132
Montana9.933
Virginia9.934
New Hampshire9.935
Connecticut9.436
South Carolina9.437
Iowa8.738
Utah8.239
Idaho8.240
Wyoming7.841
South Dakota7.742
Pennsylvania7.643
Kansas7.244
North Dakota6.845
Nebraska6.846
Vermont6.847
North Carolina6.548
Massachusetts6.249
New York6.150
Maine4.551

*Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claim frequencies.
  Rank calculated from unrounded data.
  In Florida, compulsory auto laws apply to personal injury protection (PIP) and physical damage, but not to third-party bodily injury coverage.

Source: Insurance Research Council.

Underinsured drivers also an issue

Meanwhile, uninsured drivers aren't the only problem in states like Florida. Many drivers are underinsured, says Lynne McChristian, a Florida spokeswoman for the Insurance Information Institute. The no-fault state requires drivers carry only $10,000 of personal injury protection insurance and $10,000 of property damage liability insurance. Florida does not require drivers to carry bodily injury liability or uninsured/underinsured motorist coverage.

"It's understandable that drivers want to cut corners if they lose their jobs or have to settle for a position that doesn't quite pay all the bills," she says. "But failing to carry proper insurance can mean making financial matters even worse if you're in a car crash with someone who has taken the same drastic measures."

So why don't states hike their minimum insurance requirements and toughen their penalties for driving uninsured? It's not that simple. High minimum requirements and stiff penalties aren't correlated with lower rates of uninsured drivers.

The Insurance Research Council, for instance, estimates that 9.9 percent of drivers in New Hampshire are uninsured -- well below the national average of 13 percent.

Yet New Hampshire is the only state without a compulsory auto liability law. Other states and the District of Columbia require drivers to carry proof of their ability to pay damages up to or beyond a minimum level, usually with auto insurance. In New Hampshire, drivers must prove they have the financial responsibility to pay for a minimum of injury liability damages only after an accident.




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5 Responses to "Uninsured drivers by state"
  1. Fran Rose

    Road anarchy prevails in Florida and has for decades. People who drive without insurance are criminals. Present mandatory insurance laws are flawed. Enforcement of mandatory insurance is nil. Penalties are insufficient to change behaviors. In what other state can you purchase insurance only long enough to get a tag or license renewed?

      Reply»  
    1. Lynn Endres June 28, 2017 at 5:17 AM

      Until insurance companies step up to do their part, things won't change. But why should they? They just past the cost on to their consumer -- the law-abiding customer. through increased premiums. Until we start treating the uninsured motorist as a criminal things won't change.

        Reply »  
      1. emily September 26, 2017 at 11:19 AM

        I don't believe in having insurance; so I don't purchase it. It's just too pricey.

          Reply »  
    2. allen sullivan May 20, 2017 at 9:47 AM

      Oklahoma has this problem but the biggest issue is there are laws in place but not enforced. I want to change this as well creating new laws that makes this criminal behavior no different than someone coming into your home and stealing from you. We were just hit last week about 10k in damage from other driver who did not have car insurance. We have a $500 deductible we have to pay, so he just stole $500 from us and drove away with a ticket. Yes, drove away?! Why did they let him drive without insurance?

        Reply »  
    3. Wadhamite April 17, 2017 at 1:24 PM

      The best solution has worked in Saskatchewan (Canada) since 1944. The government runs a basic insurance subsidiary. Licence plates are expensive, but every car has basic insurance! Private companies are allowed to sell policies offering higher limits, which many people buy. But a plated car is an insured car.

        Reply »  
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