How the Charge of Uninsured Drivers has Modified Over Time in Each State

Are you driving in a state the place the variety of uninsured drivers on roads is rising? A automotive wreck is rarely a contented occasion, however a collision involving a driver with out auto insurance coverage could make repairs and restoration considerably tougher.

The Basic used Insurance coverage Analysis Council knowledge to visualise and describe how the charges of uninsured drivers modified in every state over time.

The 2019 knowledge—the latest out there, launched in 2021—relies on knowledge from 11 insurers representing 60% of the non-public passenger auto insurance coverage market. It represents probably the most thorough and up-to-date image we’ve of uninsured drivers throughout the nation.

Nearly each state requires drivers to buy an insurance coverage coverage and carry proof of their automobiles always. New Hampshire is the one state with no regulation particularly requiring auto insurance coverage on the books however does require drivers to manage to pay for to cowl the state’s minimal legal responsibility necessities within the occasion of a crash. Virginia drivers are usually required to have insurance coverage however can pay a $500 annual price to the state for permission to not have insurance coverage—which makes them personally responsible for any prices an insurance coverage plan would possibly cowl.

Nonetheless, there’ll all the time be a proportion of drivers who elect to hit the street with out the right legal responsibility insurance coverage. They usually accomplish that to keep away from the annual premium value, which might improve based mostly on a driver’s security document. However driving with out insurance coverage is a chance with the potential for monetary catastrophe.

Insurance coverage companies warning that for a driver, the annual premium can pale compared to the prices of being sued whereas uninsured for the total damages following an accident they precipitated. An insured driver will usually must pay for uninsured motorist insurance coverage on prime of their typical protection, or else resort to recouping the damages in court docket, in case they’re hit by an uninsured driver.

The excellent news is fewer drivers are making that gamble as of late, in accordance with the newest knowledge. The Insurance coverage Analysis Council estimated the countrywide uninsured motorist price was 12.6% in 2019, down from an estimated 13.8% in 2009 and 14.3% in 2008.

Nonetheless, there are disparities amongst states and sure components of the nation have seen the speed of uninsured motorists tick up.

Uninsured driver charges remained constant throughout a lot of the US

States within the Nice Lakes and the Pacific Northwest areas have seen the most important development in uninsured drivers on the street whereas Oklahoma, Texas, and South Carolina have seen their charges lower. Mississippi, which boasts the very best price of uninsured drivers within the nation, noticed its price develop over the ten years measured.

Oklahoma, which has been extra profitable in decreasing the variety of uninsured drivers on roads than every other state, started a program referred to as the Uninsured Automobile Enforcement Diversion Program in 2018. It’s run by the executive company that oversees the state’s native prosecutors.

Cameras positioned across the state {photograph} license plates and match them towards a database of registered insurance coverage insurance policies, kicking a discover out to any driver with out one. The motive force is then in a position to keep away from going to court docket for prison fees if they comply with pay a $190 diversion price and enroll in insurance coverage for no less than two years. The intention of this system was to divert uninsured motorist circumstances away from courts whereas serving to drivers keep away from a prison conviction.

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Oklahoma

– Share of drivers who have been uninsured, 2019: 13%
– Share of drivers who have been uninsured, 2009: 24%
– Proportion level change: -11 proportion factors

New Jersey

– Share of drivers who have been uninsured, 2019: 3%
– Share of drivers who have been uninsured, 2009: 11%
– Proportion level change: -8 proportion factors

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North Carolina

– Share of drivers who have been uninsured, 2019: 7%
– Share of drivers who have been uninsured, 2009: 14%
– Proportion level change: -7 proportion factors

Texas

– Share of drivers who have been uninsured, 2019: 8%
– Share of drivers who have been uninsured, 2009: 15%
– Proportion level change: -7 proportion factors

New Hampshire

– Share of drivers who have been uninsured, 2019: 6%
– Share of drivers who have been uninsured, 2009: 11%
– Proportion level change: -5 proportion factors

New Mexico

– Share of drivers who have been uninsured, 2019: 22%
– Share of drivers who have been uninsured, 2009: 26%
– Proportion level change: -4 proportion factors

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Georgia

– Share of drivers who have been uninsured, 2019: 12%
– Share of drivers who have been uninsured, 2009: 16%
– Proportion level change: -4 proportion factors

Wyoming

– Share of drivers who have been uninsured, 2019: 6%
– Share of drivers who have been uninsured, 2009: 10%
– Proportion level change: -4 proportion factors

Connecticut

– Share of drivers who have been uninsured, 2019: 6%
– Share of drivers who have been uninsured, 2009: 10%
– Proportion level change: -4 proportion factors

Florida

– Share of drivers who have been uninsured, 2019: 20%
– Share of drivers who have been uninsured, 2009: 24%
– Proportion level change: -4 proportion factors

Kentucky

– Share of drivers who have been uninsured, 2019: 14%
– Share of drivers who have been uninsured, 2009: 18%
– Proportion level change: -4 proportion factors

Ohio

– Share of drivers who have been uninsured, 2019: 13%
– Share of drivers who have been uninsured, 2009: 16%
– Proportion level change: -3 proportion factors

Illinois

– Share of drivers who have been uninsured, 2019: 12%
– Share of drivers who have been uninsured, 2009: 15%
– Proportion level change: -3 proportion factors

Nevada

– Share of drivers who have been uninsured, 2019: 10%
– Share of drivers who have been uninsured, 2009: 13%
– Proportion level change: -3 proportion factors

Minnesota

– Share of drivers who have been uninsured, 2019: 10%
– Share of drivers who have been uninsured, 2009: 13%
– Proportion level change: -3 proportion factors

Montana

– Share of drivers who have been uninsured, 2019: 9%
– Share of drivers who have been uninsured, 2009: 11%
– Proportion level change: -2 proportion factors

Hawaii

– Share of drivers who have been uninsured, 2019: 9%
– Share of drivers who have been uninsured, 2009: 11%
– Proportion level change: -2 proportion factors

West Virginia

– Share of drivers who have been uninsured, 2019: 9%
– Share of drivers who have been uninsured, 2009: 11%
– Proportion level change: -2 proportion factors

Delaware

– Share of drivers who have been uninsured, 2019: 9%
– Share of drivers who have been uninsured, 2009: 11%
– Proportion level change: -2 proportion factors

Alabama

– Share of drivers who have been uninsured, 2019: 20%
– Share of drivers who have been uninsured, 2009: 22%
– Proportion level change: -2 proportion factors

Wisconsin

– Share of drivers who have been uninsured, 2019: 13%
– Share of drivers who have been uninsured, 2009: 15%
– Proportion level change: -2 proportion factors

South Dakota

– Share of drivers who have been uninsured, 2019: 7%
– Share of drivers who have been uninsured, 2009: 9%
– Proportion level change: -2 proportion factors

Louisiana

– Share of drivers who have been uninsured, 2019: 12%
– Share of drivers who have been uninsured, 2009: 13%
– Proportion level change: -1 proportion factors

Pennsylvania

– Share of drivers who have been uninsured, 2019: 6%
– Share of drivers who have been uninsured, 2009: 7%
– Proportion level change: -1 proportion factors

New York

– Share of drivers who have been uninsured, 2019: 4%
– Share of drivers who have been uninsured, 2009: 5%
– Proportion level change: -1 proportion factors

Utah

– Share of drivers who have been uninsured, 2019: 7%
– Share of drivers who have been uninsured, 2009: 8%
– Proportion level change: -1 proportion factors

Rhode Island

– Share of drivers who have been uninsured, 2019: 17%
– Share of drivers who have been uninsured, 2009: 18%
– Proportion level change: -1 proportion factors

Maryland

– Share of drivers who have been uninsured, 2019: 14%
– Share of drivers who have been uninsured, 2009: 15%
– Proportion level change: -1 proportion factors

Tennessee

– Share of drivers who have been uninsured, 2019: 24%
– Share of drivers who have been uninsured, 2009: 24%
– Proportion level change: No change

Indiana

– Share of drivers who have been uninsured, 2019: 16%
– Share of drivers who have been uninsured, 2009: 16%
– Proportion level change: No change

Arizona

– Share of drivers who have been uninsured, 2019: 12%
– Share of drivers who have been uninsured, 2009: 12%
– Proportion level change: No change

Iowa

– Share of drivers who have been uninsured, 2019: 11%
– Share of drivers who have been uninsured, 2009: 11%
– Proportion level change: No change

Virginia

– Share of drivers who have been uninsured, 2019: 11%
– Share of drivers who have been uninsured, 2009: 11%
– Proportion level change: No change

South Carolina

– Share of drivers who have been uninsured, 2019: 11%
– Share of drivers who have been uninsured, 2009: 11%
– Proportion level change: No change

Massachusetts

– Share of drivers who have been uninsured, 2019: 4%
– Share of drivers who have been uninsured, 2009: 4%
– Proportion level change: No change

Mississippi

– Share of drivers who have been uninsured, 2019: 29%
– Share of drivers who have been uninsured, 2009: 28%
– Proportion level change: +1 proportion factors

Oregon

– Share of drivers who have been uninsured, 2019: 11%
– Share of drivers who have been uninsured, 2009: 10%
– Proportion level change: +1 proportion factors

Kansas

– Share of drivers who have been uninsured, 2019: 11%
– Share of drivers who have been uninsured, 2009: 10%
– Proportion level change: +1 proportion factors

Nebraska

– Share of drivers who have been uninsured, 2019: 9%
– Share of drivers who have been uninsured, 2009: 8%
– Proportion level change: +1 proportion factors

Maine

– Share of drivers who have been uninsured, 2019: 5%
– Share of drivers who have been uninsured, 2009: 4%
– Proportion level change: +1 proportion factors

Colorado

– Share of drivers who have been uninsured, 2019: 16%
– Share of drivers who have been uninsured, 2009: 15%
– Proportion level change: +1 proportion factors

Missouri

– Share of drivers who have been uninsured, 2019: 16%
– Share of drivers who have been uninsured, 2009: 14%
– Proportion level change: +2 proportion factors

Vermont

– Share of drivers who have been uninsured, 2019: 9%
– Share of drivers who have been uninsured, 2009: 7%
– Proportion level change: +2 proportion factors

California

– Share of drivers who have been uninsured, 2019: 17%
– Share of drivers who have been uninsured, 2009: 15%
– Proportion level change: +2 proportion factors

Arkansas

– Share of drivers who have been uninsured, 2019: 19%
– Share of drivers who have been uninsured, 2009: 16%
– Proportion level change: +3 proportion factors

Alaska

– Share of drivers who have been uninsured, 2019: 16%
– Share of drivers who have been uninsured, 2009: 13%
– Proportion level change: +3 proportion factors

Washington D.C.

– Share of drivers who have been uninsured, 2019: 19%
– Share of drivers who have been uninsured, 2009: 15%
– Proportion level change: +4 proportion factors

North Dakota

– Share of drivers who have been uninsured, 2019: 13%
– Share of drivers who have been uninsured, 2009: 9%
– Proportion level change: +4 proportion factors

Idaho

– Share of drivers who have been uninsured, 2019: 13%
– Share of drivers who have been uninsured, 2009: 8%
– Proportion level change: +5 proportion factors

Washington

– Share of drivers who have been uninsured, 2019: 22%
– Share of drivers who have been uninsured, 2009: 16%
– Proportion level change: +6 proportion factors

Michigan

– Share of drivers who have been uninsured, 2019: 26%
– Share of drivers who have been uninsured, 2009: 19%
– Proportion level change: +7 proportion factors

Written by: Dom DiFurio