When it comes to driving without insurance in America, the numbers are surprisingly high. In fact, an estimated one in eight drivers, or 13% go without car insurance coverage. This means there are some 32 million people driving on the roads today without insurance. And when you consider that over 1.6 Million crashes happen yearly because of cell phone use while driving, it don't seem that people realize the risks they're taking. If you are one of these drivers you need to drop everything and get some car insurance now. If not, let's take a closer look at the uninsured motorist trends in the U.S. today.
Top Uninsured Motorists Statistics:
Percentage Of Uninsured Americans Driving (2022)
What Percentage Of Drivers Are Uninsured In The United States?
In 2021, according to the Insurance Research Council (IRC), 13% of drivers, or about one in eight drivers, were uninsured. The rate was at a nine-year high of 13.1% in 2017 but declined to 12.6% in 2018 and 2019.
Which State Has The Highest Percentage Of Uninsured Americans?
Mississippi has the highest rate of uninsured motorists in the country at a whopping 29.4%. The uninsured rate has been in double digits since 2012 and reached this new height in 2019. The uninsured rate was 28.9% in 2018 and 27.5% in 2017.
What State Has The Lowest Percent Of Uninsured Drivers In The U.S.?
New Jersey has the lowest rate of uninsured motorists in the country at a low 3.1% uninsured rate. The uninsured rate was 3.2% in 2018 and 3.3% in 2017.
What States Require Uninsured Motorist Coverage?
21 states and the District of Columbia require uninsured motorist coverage. This sort of insurance covers motorists if they get into a collision with an uninsured driver, but it also places a financial burden on policyholders. If you're in an accident with an uninsured motorist and the at-fault driver doesn't have insurance, your insurance policy will cover medical expenditures, repairs, expenses, and other charges.
Below is a list of the states that require this coverage:
What Are The Top 10 Highest & Lowest Uninsured States? (By Percent)
Mississippi, Michigan, and Tennessee top the list of states with the highest uninsured drivers. New Jersey, Massachusetts, and New York all come in as the states with the lowest percentage of uninsured drivers.
Top 10 Highest States Of Uninsured Drivers
UNINSURED MOTORIST PERCENTAGE
District of Columbia
Top 10 Lowest States Of Uninsured Drivers
UNINSURED MOTORIST PERCENTAGE
Percentage Of Uninsured Motorists By State (In The U.S.)
How Many People Drive Without Insurance In America?
There are 32 million uninsured drivers in the United States, with one in eight drivers (12.6%) having no auto insurance. Due to population growth among licensed drivers, there were over 460,000 more uninsured drivers in 2019 than in 2015.
Uninsured Motorist Rates By State
PERCENTAGE OF UNINSURED MOTORISTS
District Of Columbia
Uninsured Motorist Percentages Nationwide By Year
NATIONAL UNINSURED MOTORIST PERCENTAGE
Shockingly, some 32 million people are riding around without insurance. However, we can't stress enough how important it is to have uninsured motorist coverage.
In the event of a car accident, you will be able to recover from financial loss and make sure that your family's livelihood isn't put at risk because someone else was driving without insurance.
Now that we know about the different rates of uninsured motorists in each state, it's time to take action.
There is no time to waste if you don't have car insurance, and you can get an instant car insurance quote and get covered today!