It might surprise you how many drivers are actually on the road without any car insurance.
About 13% of all U.S. drivers are uninsured — that’s roughly 32 million people.
Key Facts & Figures
13% uninsured: One in eight drivers in the U.S. lack any auto insurance coverage.
State extremes:
• The highest rate is in Mississippi, at 29.4% uninsured.
• The lowest is New Jersey, at 3.1% uninsured.
Trends over time:
The rate has fluctuated, reaching a nine-year high of 13.1% in 2017 before dipping and then rising back.
Insurance cost impact:
Because uninsured drivers create additional financial risk, insured motorists often shoulder extra costs.
Uninsured/underinsured motorist coverage:
21 states plus D.C. require this type of coverage, which helps protect drivers if they’re involved in an accident caused by someone without adequate insurance.
Why Are So Many Drivers Uninsured?
There are several plausible causes:
Cost & Affordability
Insurance premiums can be expensive, particularly for younger drivers, those with poor credit, or those in high-risk areas.
Risk & Enforcement Gaps
In states or local jurisdictions where law enforcement is lighter on “proof of insurance” checks, some drivers may gamble on not being caught.
Lack of Awareness or Education
Some might not realize the legal or financial risks of driving uninsured, or they mistakenly believe they have sufficient protection.
Underinsurance vs. No Insurance
Some drivers may have minimal policies that fail to fully protect them in serious accidents. (So even if “insured,” their coverage might not be adequate.)
What Does This Mean for Other Drivers?
Financial Exposure:
If you’re in a crash with an uninsured driver, recovering damages or medical costs may be more difficult.
Higher Premiums:
Insurers may recoup losses via higher premiums for insured drivers.
Legal and Liability Risks:
In many jurisdictions, driving without insurance is illegal and can carry fines, license suspension, or other penalties.
What You Can Do (Especially If You Drive)
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Never drive uninsured — it’s risky legally, financially, and emotionally.
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Maintain adequate coverage, including uninsured/underinsured motorist protection if your area allows or requires it.
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Shop around — compare insurers, discounts, and local options.
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Stay informed — laws and enforcement differ by state (or country), so know what’s required where you are.
Ready to Make Sure You’re Protected on the Road?
Don’t wait until it’s too late — review your auto insurance coverage today.
Want to explore your insurance needs? Contact us at 818.483.1360.
