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Current Table

Estimated Percentage of Uninsured Motorists by State, 2017-2022 (1)
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State 2017 2018 2019 2020 2021 2022 Rank (2)
Alabama 15.3% 15.3% 14.9% 15.2% 15.3% 14.2% 20
Alaska 9.0 9.8 10.0 9.7 9.3 11.3 29
Arizona 9.4 9.3 9.3 11.3 12.3 11.9 27
Arkansas 15.0 14.2 12.6 13.9 14.5 15.1 18
California 14.0 14.7 13.4 17.8 18.0 17.0 11
Colorado 14.4 15.6 14.8 19.0 18.7 17.5 9
Connecticut 8.5 7.9 8.2 11.0 11.9 10.4 33
Delaware 15.0 14.5 12.8 13.8 19.2 18.1 8
D.C. 17.4 15.9 16.8 26.8 27.3 25.2 1
Florida (3) 17.6 17.9 18.8 19.5 17.3 15.9 15
Georgia 13.9 13.4 13.4 16.8 17.9 18.1 7
Hawaii 7.4 8.3 8.2 10.0 11.9 10.9 31
Idaho 8.8 7.7 6.9 5.6 5.5 6.2 49
Illinois 13.7 13.6 13.8 18.6 16.5 16.3 13
Indiana 11.1 10.5 10.5 12.8 13.8 13.9 21
Iowa 9.1 7.2 7.4 9.7 9.8 9.9 35
Kansas 7.8 6.8 6.7 9.7 8.9 8.0 44
Kentucky 15.6 15.4 15.1 19.7 20.4 18.7 6
Louisiana 10.8 11.3 11.1 12.1 12.4 13.7 23
Maine 5.5 5.0 5.7 6.1 5.1 6.2 50
Maryland 12.7 11.5 11.8 15.5 15.7 15.1 17
Massachusetts 4.9 4.8 4.9 6.6 7.9 8.8 40
Michigan 20.3 18.5 21.7 25.7 20.1 19.6 5
Minnesota 7.6 7.4 7.4 10.4 10.0 8.7 42
Mississippi 19.6 20.1 19.5 21.7 21.6 22.2 3
Missouri 13.4 14.0 13.4 17.8 16.9 16.0 14
Montana 13.8 10.2 9.7 9.4 10.6 8.8 39
Nebraska 6.1 6.1 6.1 6.9 8.3 7.8 46
Nevada 9.0 10.1 9.0 9.8 9.8 8.8 41
New Hampshire 6.8 7.6 6.2 8.9 8.1 7.8 47
New Jersey 7.8 7.7 7.8 9.8 11.1 10.9 30
New Mexico 19.3 18.6 18.5 22.3 22.4 24.9 2
New York 5.8 5.2 4.4 6.8 9.4 10.8 32
North Carolina 7.2 7.4 7.3 9.3 9.9 10.3 34
North Dakota 6.0 6.5 4.0 4.7 6.3 7.9 45
Ohio 13.0 11.7 12.0 16.7 17.3 17.1 10
Oklahoma 14.1 15.0 13.7 12.8 12.2 11.8 28
Oregon 9.4 9.5 8.9 10.7 13.1 12.3 24
Pennsylvania 7.3 6.7 6.5 9.9 10.7 9.6 37
Rhode Island 13.1 11.2 11.6 13.8 15.0 15.6 16
South Carolina 9.9 10.1 9.3 10.7 11.1 12.3 25
South Dakota 8.2 8.1 6.6 6.7 9.6 8.0 43
Tennessee 16.3 15.6 14.7 19.5 19.7 20.9 4
Texas 11.1 11.0 11.0 13.6 13.4 13.8 22
Utah 5.7 6.3 6.0 6.8 7.2 7.3 48
Vermont 7.0 6.2 4.4 5.7 9.1 9.7 36
Virginia 9.4 9.1 9.0 12.5 12.9 12.1 26
Washington 13.2 12.3 11.2 13.1 15.6 16.5 12
West Virginia 10.0 9.4 9.5 9.7 8.5 8.9 38
Wisconsin 13.2 12.7 12.3 16.1 15.3 15.1 19
Wyoming 15.3 4.2 6.3 7.1 5.8 5.9 51

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claims frequencies.
(2) Rank is on 2022 percentage of uninsured motorists, calculated from unrounded data.
(3) 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.

 

Archived Tables

ESTIMATED PERCENTAGE OF UNINSURED MOTORISTS BY STATE, 2007 (1)
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State Uninsured Rank (2) State Uninsured Rank (2)
Alabama 26% 3 Montana 15% 10
Alaska 13 12 Nebraska 8 17
Arizona 18 7 Nevada 15 10
Arkansas 15 10 New Hampshire 11 14
California 18 7 New Jersey 8 17
Colorado 15 10 New Mexico 29 1
Connecticut 9 16 New York 5 20
D.C. 15 10 North Carolina 12 13
Delaware 10 15 North Dakota 5 20
Florida (3) 23 5 Ohio 16 9
Georgia 12 13 Oklahoma 24 4
Hawaii 12 13 Oregon 11 14
Idaho 9 16 Pennsylvania 7 18
Illinois 15 10 Rhode Island 14 11
Indiana 14 11 South Carolina 9 16
Iowa 12 13 South Dakota 7 18
Kansas 10 15 Tennessee 20 6
Kentucky 16 9 Texas 15 10
Louisiana 12 13 Utah 8 17
Maine 4 21 Vermont 6 19
Maryland 12 13 Virginia 9 16
Massachusetts 1 22 Washington 16 9
Michigan 17 8 West Virginia 8 17
Minnesota 12 13 Wisconsin 15 10
Mississippi 28 2 Wyoming 9 16
Missouri 14 11      

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claims frequencies.
(2) States with the same percent uninsured receive the same rank.
(3) In Florida, compulsory auto laws apply to PIP and physical damage, but not to third party bodily injury coverage.

Source: Insurance Research Council.

 
ESTIMATED PERCENTAGE OF UNINSURED MOTORISTS BY STATE, 2009 (1)
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State Uninsured Rank (2) State Uninsured Rank (2)
Alabama 21.8% 5 Montana 11.4% 25
Alaska 13.0 21 Nebraska 7.8 38
Arizona 11.9 23 Nevada 13.2 20
Arkansas 16.0 11 New Hampshire 10.9 27
California 15.0 15 New Jersey 11.2 26
Colorado 15.2 14 New Mexico 25.7 2
Connecticut 9.5 33 New York 5.4 41
Delaware 10.8 28 North Carolina 13.5 19
D.C. 15.3 13 North Dakota 9.1 34
Florida (3) 23.5 4 Ohio 15.7 12
Georgia 15.7 12 Oklahoma 23.9 3
Hawaii 11.2 26 Oregon 10.4 30
Idaho 7.9 37 Pennsylvania 6.6 40
Illinois 14.9 16 Rhode Island 17.6 8
Indiana 16.3 9 South Carolina 10.7 29
Iowa 11.5 24 South Dakota 8.6 35
Kansas 9.8 32 Tennessee 23.9 3
Kentucky 17.8 7 Texas 14.9 16
Louisiana 12.9 22 Utah 8.2 36
Maine 4.5 42 Vermont 7.1 39
Maryland 14.9 16 Virginia 10.8 28
Massachusetts 4.5 42 Washington 16.1 10
Michigan 19.5 6 West Virginia 10.8 28
Minnesota 13.0 21 Wisconsin 14.6 17
Mississippi 28.0 1 Wyoming 10.3 31
Missouri 13.7 18      

(1) 2012 data not yet available. Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claims frequencies.
(2) Rank calculated from unrounded data.
(3) 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.

 
Estimated Percentage Of Uninsured Motorists By State, 2012 (1)
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State Uninsured Rank (2) State Uninsured Rank (2)
Alabama 19.6% 7 Montana 14.1% 15
Alaska 13.2 21 Nebraska 6.7 44
Arizona 10.6 29 Nevada 12.2 23
Arkansas 15.9 11 New Hampshire 9.3 34
California 14.7 13 New Jersey 10.3 30
Colorado 16.2 9 New Mexico 21.6 4
Connecticut 8.0 41 New York 5.3 49
Delaware 11.5 27 North Carolina 9.1 35
D.C. 11.9 24 North Dakota 5.9 47
Florida (3) 23.8 2 Ohio 13.5 17
Georgia 11.7 26 Oklahoma 25.9 1
Hawaii 8.9 37 Oregon 9.0 36
Idaho 6.7 45 Pennsylvania 6.5 46
Illinois 13.3 20 Rhode Island 17.0 8
Indiana 14.2 14 South Carolina 7.7 43
Iowa 9.7 32 South Dakota 7.8 42
Kansas 9.4 33 Tennessee 20.1 6
Kentucky 15.8 12 Texas 13.3 19
Louisiana 13.9 16 Utah 5.8 48
Maine 4.7 50 Vermont 8.5 39
Maryland 12.2 22 Virginia 10.1 31
Massachusetts 3.9 51 Washington 16.1 10
Michigan 21.0 5 West Virginia 8.4 40
Minnesota 10.8 28 Wisconsin 11.7 25
Mississippi 22.9 3 Wyoming 8.7 38
Missouri 13.5 18      

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claim frequencies.
(2) Rank calculated from unrounded data.
(3) 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.

 
Estimated Percentage Of Uninsured Motorists By State, 2015 (1)
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State Uninsured Rank (2) State Uninsured Rank (2)
Alabama 18.4% 6 Montana 9.9% 33
Alaska 15.4 11 Nebraska 6.8 46
Arizona 12.0 24 Nevada 10.6 29
Arkansas 16.6 9 New Hampshire 9.9 35
California 15.2 12 New Jersey 14.9 14
Colorado 13.3 19 New Mexico 20.8 3
Connecticut 9.4 36 New York 6.1 50
Delaware 11.4 28 North Carolina 6.5 48
D.C. 15.6 10 North Dakota 6.8 45
Florida (3) 26.7 1 Ohio 12.4 22
Georgia 12.0 25 Oklahoma 10.5 31
Hawaii 10.6 30 Oregon 12.7 21
Idaho 8.2 40 Pennsylvania 7.6 43
Illinois 13.7 18 Rhode Island 15.2 13
Indiana 16.7 8 South Carolina 9.4 37
Iowa 8.7 38 South Dakota 7.7 42
Kansas 7.2 44 Tennessee 20.0 5
Kentucky 11.5 26 Texas 14.1 16
Louisiana 13.0 20 Utah 8.2 39
Maine 4.5 51 Vermont 6.8 47
Maryland 12.4 23 Virginia 9.9 34
Massachusetts 6.2 49 Washington 17.4 7
Michigan 20.3 4 West Virginia 10.1 32
Minnesota 11.5 27 Wisconsin 14.3 15
Mississippi 23.7 2 Wyoming 7.8 41
Missouri 14.0 17      

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claim frequencies.
(2) Rank calculated from unrounded data.
(3) 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.

 
Estimated Percentage Of Uninsured Motorists By State, 2015 (1)
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State Uninsured Rank (2) State Uninsured Rank (2)
Alabama 18.4% 6 Montana 9.9% 33
Alaska 15.4 11 Nebraska 6.8 46
Arizona 12.0 24 Nevada 10.6 29
Arkansas 16.6 9 New Hampshire 9.9 35
California 15.2 12 New Jersey 14.9 14
Colorado 13.3 19 New Mexico 20.8 3
Connecticut 9.4 36 New York 6.1 50
Delaware 11.4 28 North Carolina 6.5 48
D.C. 15.6 10 North Dakota 6.8 45
Florida (3) 26.7 1 Ohio 12.4 22
Georgia 12.0 25 Oklahoma 10.5 31
Hawaii 10.6 30 Oregon 12.7 21
Idaho 8.2 40 Pennsylvania 7.6 43
Illinois 13.7 18 Rhode Island 15.2 13
Indiana 16.7 8 South Carolina 9.4 37
Iowa 8.7 38 South Dakota 7.7 42
Kansas 7.2 44 Tennessee 20.0 5
Kentucky 11.5 26 Texas 14.1 16
Louisiana 13.0 20 Utah 8.2 39
Maine 4.5 51 Vermont 6.8 47
Maryland 12.4 23 Virginia 9.9 34
Massachusetts 6.2 49 Washington 17.4 7
Michigan 20.3 4 West Virginia 10.1 32
Minnesota 11.5 27 Wisconsin 14.3 15
Mississippi 23.7 2 Wyoming 7.8 41
Missouri 14.0 17      

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claim frequencies.
(2) Rank calculated from unrounded data.
(3) 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.

 
Estimated Percentage Of Uninsured Motorists By State, 2019 (1)
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Lowest Uninsured Rank (2) State Uninsured Rank (2)
Alabama 19.5% 7 Montana 8.5% 38
Alaska 16.1 14 Nebraska 9.3 34
Arizona 11.8 24 Nevada 10.4 32
Arkansas 19.3 8 New Hampshire 6.1 45
California 16.6 10 New Jersey 3.1 51
Colorado 16.3 13 New Mexico 21.8 4
Connecticut 6.3 44 New York 4.1 49
Delaware 8.5 38 North Carolina 7.4 41
D.C. 19.1 9 North Dakota 13.0 21
Florida (3) 20.4 6 Ohio 13.0 21
Georgia 12.4 23 Oklahoma 13.4 18
Hawaii 9.3 34 Oregon 10.7 30
Idaho 13.2 20 Pennsylvania 6.0 46
Illinois 11.8 24 Rhode Island 16.5 11
Indiana 15.8 15 South Carolina 10.9 28
Iowa 11.3 27 South Dakota 7.4 41
Kansas 10.9 28 Tennessee 23.7 3
Kentucky 13.9 17 Texas 8.3 40
Louisiana 11.7 26 Utah 6.5 43
Maine 4.9 48 Vermont 8.8 37
Maryland 14.1 16 Virginia 10.5 31
Massachusetts 3.5 50 Washington 21.7 5
Michigan 25.5 2 West Virginia 9.2 36
Minnesota 9.9 33 Wisconsin 13.3 19
Mississippi 29.4 1 Wyoming 5.8 47
Missouri 16.4 12      

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claims frequencies.
(2) Rank calculated from unrounded data.
(3) 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.