Approximately One in Six Driving Without Insurance
Approximately one in six drivers in the United States is driving without insurance, according to a study by the Insurance Research Council. Driving without insurance is illegal and can cost you in medical bills, liability fees, and more. Find affordable insurance coverage in your state with our free comparison tool below.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
UPDATED: Jan 31, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
Think you don’t need uninsured motorist coverage? Think again.
A study released by the Insurance Research Council revealed approximately one in six drivers in the United States may be driving without insurance this year.
The group said the estimated percentage of uninsured drivers fell from 14.9 percent in 2003 to 13.8 percent in 2007, but is expected to reach an all-time high thanks to the economic downturn, which is causing more than its fair share of unintended consequences.
Apparently a one percentage point increase in the unemployment rate is associated with a more than three-quarters of a percentage point increase in the uninsured motorist rate.
So based on current unemployment rate projections, the percentage of uninsured motorists is expected to rise to a staggering 16.1 percent in 2010. That said, the need for uninsured motorist coverage is clearly growing.
In 2007, New Mexico had the highest percentage of uninsured drivers (29 percent), followed by Mississippi (28 percent), Alabama (26 percent), Oklahoma (24 percent), and Florida (23 percent).
The five states with the lowest estimated percentage of uninsured drivers were Massachusetts (1 percent), Maine (4 percent), North Dakota (5 percent), New York (5 percent), and Vermont (6 percent).
The IRC study examined data collected from nine insurers, who represent roughly half of the private passenger auto insurance market in the United States.