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Which States Have the Fewest Uninsured Drivers?

Navigating the roads of America means understanding the risks involved, not just from the driving itself but from the financial implications of doing so uninsured. Despite the legal requirements in nearly all states, a surprising number of drivers hit the highways without any form of car insurance. This comprehensive guide delves into the nuances of where these uninsured drivers are most prevalent and the states where you’re least likely to encounter them. Whether you’re a daily commuter, a road trip enthusiast, or just curious about the state of automotive insurance across the country, this article promises to shed light on some startling statistics and lesser-known facts about uninsured motorists.

Panoramic highway scene transitioning from a bustling urban area to a serene rural setting, representing the varying uninsured driver rates across states.

Which States Have the Fewest Uninsured Drivers? (PDF)

The High Risk of Uninsured Drivers: A National Concern

According to a 2022 study by MarketWatch Guides, approximately 12.5% of all drivers in the United States drive without insurance. This statistic is alarming, especially when considering the potential costs and legal implications of an accident involving an uninsured driver. The study ranks states by the percentage of uninsured drivers and reveals that even in states where insurance is mandatory, non-compliance rates are shockingly high.

Interestingly, the District of Columbia, not a state, tops the list with a staggering 25.2% of drivers uninsured, attributed largely to the high cost of insurance in the area. Following D.C., states like New Mexico, Mississippi, and Tennessee also show high percentages of uninsured drivers, making them risky territories for insured drivers.

States with the Highest Uninsured Driver Rates:

  1. District of Columbia: 25.2%
  2. New Mexico: 24.9%
  3. Mississippi: 22.2%
  4. Tennessee: 20.9%
  5. Michigan: 19.6%
  6. Kentucky: 18.7%
  7. Delaware: 18.1%
  8. Georgia: 18.1%
  9. Colorado: 17.5%
  10. Ohio: 17.1%

Michigan, while fifth in terms of uninsured drivers, has the highest insurance costs, with annual premiums averaging $1,604. On the other hand, Delaware, though ranked lower, imposes the heaviest fines for uninsured drivers caught for the first time.

States with the Lowest Risk of Uninsured Drivers

On the brighter side, some states boast impressively low percentages of uninsured drivers, correlating often with more affordable insurance rates. Wyoming leads with only 5.9% of drivers uninsured, followed closely by Idaho and Maine. These states not only offer safer driving conditions but also demonstrate the effectiveness of their automotive insurance policies and enforcement.

  1. Wyoming: 5.9%
  2. Idaho: 6.2%
  3. Maine: 6.2%
  4. Utah: 7.3%
  5. Nebraska: 7.8%
  6. New Hampshire: 7.8%
  7. North Dakota: 7.9%
  8. Kansas: 8%
  9. South Dakota: 8%
  10. Minnesota: 8.7%

Unusual Findings and Tips

While most states require uninsured/underinsured motorist coverage, the benefits of this insurance are clear when considering these statistics. Not only does it protect you financially in the event of an accident with an uninsured driver, but it also provides peace of mind. Moreover, states with lower uninsured rates, like South Dakota, offer some of the most affordable insurance premiums, at approximately $24 per month.

In contrast, states like Missouri, despite their leniency towards uninsured drivers (with minimal fines of just $20), may pose higher risks and costs in the long run.


Knowing the percentage of uninsured drivers in your state is crucial for making informed decisions about your automotive insurance needs. This isn’t merely about legal compliance; it’s about safeguarding your assets and ensuring your safety on the road. Whether you reside in a high-risk area with numerous uninsured drivers or in a state where such occurrences are rare, regularly assessing your insurance coverage is a prudent step towards comprehensive protection. This exploration not only underscores the necessity of maintaining proper insurance but also aims to broaden awareness regarding the prevalence and impact of uninsured driving across the United States.

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