Background on: Compulsory Auto/Uninsured Motorists

The topic

Virtually all states require drivers to have auto liability insurance before they can legally drive a motor vehicle. (Liability insurance pays the other driver’s medical, vehicle repair and other costs when the policyholder is at fault in an accident.) State laws set the minimum amounts of insurance or other financial security that drivers must pay for the harm caused by their negligence if an accident occurs. The public generally supports compulsory auto insurance and wants these laws enforced.

There are rare exceptions to compulsory auto insurance laws. New Hampshire does not have a compulsory insurance liability law. It requires that drivers be able to demonstrate that they are able to provide sufficient funds in the event of an “at-fault” accident. Virginia requires motorists to have insurance or register an uninsured vehicle for a significant fee. Motorcycle insurance is compulsory in every state with the exception Hawaii, Michigan, Montana, New Hampshire, and Washington. Minimum liability limits are the same for motorcycles as for private passenger vehicles (see chart below).

Laws in most states have proven ineffective in reducing the number of drivers who are uninsured. There are many reasons for this. Some drivers cannot afford insurance and some drivers with surcharges for accidents or serious traffic violations do not want to pay the high premiums that result from a poor driving record. With the estimated percentage of uninsured drivers in the United States close to 13 percent, it is costly to track down violators of compulsory insurance laws. State insurance departments and insurance companies are using new techniques to combat the uninsured motorist problem, including using electronic means to verify auto insurance quickly.

Recent developments

  • Minimum Financial Responsibility Limits: Effective July 1, 2018, the minimum liability limits for auto insurance in Indiana will increase from 25/50/10 to 25/50/25. On the same date, limits in Nevada will rise from 15/30/10 to 25/50/20.
  • Uninsured Motorists: In 2015, 13.0 percent of motorists, or about one in eight drivers, were uninsured, according to a 2017 study (latest data available) by the Insurance Research Council (IRC). The percentage has been rising since it hit a record low of 12.3 in 2010.
  • Florida had the highest percentage of uninsured motorists, 26.7 percent, and Maine had the lowest, 4.5 percent.
  • IRC measures the number of uninsured motorists based on insurance claims, using a ratio of insurance claims made by people who were injured by uninsured drivers relative to the claims made by people who were injured by insured drivers.
  • In June 2016, the Alabama Department of Revenue reported that the uninsured motorists rate was 12.9 percent, down from 19.6 percent in 2012, when it was measured by the Insurance Research Council. Alabama implemented an online auto insurance verification system (OLV) following the passage of a law mandating the creation of an OLV in 2011.
  • Insurance Verification: Two types of verification systems exist to identify uninsured motorists. One type, which relies on databases, is in use in states where insurer verification laws mandate that all insurance companies in a state submit the entire list of their policyholders to an outside vendor or a state agency, which matches them to motor vehicle registrations. (See Background, Computer Databases and chart Automobile Financial Responsibility Limits and Enforcement by State.) One type of database system is a transactional database in which insurers identify new business, cancellations and nonrenewals. Some states have passed laws to create online verifications systems (OLVs) which provide real-time information on a motorist’s insurance status. (See Background, Online Verification Systems.)
  • The Texas OLV system, TexasSure, posted data showing that as of August 28, 2017 13.21 percent of all vehicles in the state were uninsured, about the same as 13.61 percent in 2016. (See Computer Databases below.)
  • In April 2017 the governor of Arkansas approved the enactment of an online insurance verification system.  A test phase will be implemented that would identify necessary changes during the testing phase. The law requires the establishment of an advisory group composed of representatives of the Department of Insurance, insurance companies, state police and other agencies to set up the system, test it and issue recommendations at periodic reviews. The law becomes effective on January 1, 2019.
  • Website Access: Access to insurance policies online could aid people who are evacuated or suffer a loss following a natural catastrophe, as well as allow policyholders to review their policies at any time using smartphones or tablets. Seventy-nine percent of auto, homeowners and renters policyholders responding to a November 2015 poll conducted by the Insurance Information Institute said they would like to view all policies available to them on a single website.
  • E-Commerce Laws: According to Property Casualty Insurers Association of America (PCI), the majority of states have enacted laws that allow insurers to transmit policy documents to their customers electronically. E-delivery laws govern the transmission of all insurance documents, which include policy notices and bills. Policyholders are required to consent to these transmissions. E-posting laws concern standard property casualty forms and endorsement and do not contain personally identifiable information. Policyholders are not required to consent to these transmissions. E-card laws allow the use of electronic evidence of insurance that can be shown to law enforcement on a mobile device.
  • Electronic delivery of various insurance documents has gained acceptance among many states. According to PCI, as of June 2017, 40 states and the District of Columbia allowed electronic delivery of all insurance documents and notices. In addition, the Rhode Island e-delivery law applies only to commercial lines of insurance. South Carolina's law allowing electronic delivery, enacted May 2017, will become effective January 1, 2018. Twenty-two states and the District of Columbia had enacted e-posting laws that allow policyholders to view standard policies and endorsements, which contain no personal information, through a website. Forty-six states have e-card laws or allow the use of electronic evidence of insurance on a mobile device.


Automobile Financial Responsibility Limits And Enforcement By State

(As of January 2018)

State Insurance required (1) Minimum liability limits (2) Insurer verification of insurance (3)
AL BI & PD Liab 25/50/25 c, d
AK BI & PD Liab 50/100/25 a, d
AZ BI & PD Liab 15/30/10 a, b
AR BI & PD Liab, PIP 25/50/25 b, d
CA BI & PD Liab 15/30/5 (4) a, b, d
CO BI & PD Liab 25/50/15 a, d
CT BI & PD Liab, UM, UIM 25/50/20* d
DE BI & PD Liab, PIP 25/50/10 a, b, c, d
DC BI & PD Liab, UM 25/50/10 a, c, d
FL PD Liab, PIP 10/20/10 (5) a, d
GA BI & PD Liab 25/50/25 a, d
HI BI & PD Liab, PIP 20/40/10 a
ID BI & PD Liab 25/50/15 d
IL BI & PD Liab, UM, UIM 25/50/20 a, b, c, d*
IN BI & PD Liab 25/50/25* a
IA BI & PD Liab 20/40/15 a
KS BI & PD Liab, PIP 25/50/25 a,c, d
KY BI & PD Liab, PIP, UM, UIM 25/50/25 (5)* a, d
LA BI & PD Liab 15/30/25 a, d
ME BI & PD Liab, UM, UIM, Medpay 50/100/25 (6) b
MD BI & PD Liab, PIP, UM, UIM 30/60/15 a, d
MA BI & PD Liab, PIP 20/40/5 a, d
MI BI & PD Liab, PIP 20/40/10 a
MN BI & PD Liab, PIP, UM, UIM 30/60/10 a, c
MS BI & PD Liab 25/50/25 a, d
MO BI & PD Liab, UM 25/50/20 a, c, d
MT BI & PD Liab 25/50/20 d
NE BI & PD Liab, UM, UIM 25/50/25 a, b, d
NV BI & PD Liab 25/50/20** a, d
NH FR only 25/50/25 a
NJ BI & PD Liab, PIP, UM, UIM 15/30/5 (7) a, d
NM BI & PD Liab 25/50/10 a, c
NY BI & PD Liab, PIP, UM, UIM 25/50/10 (8) a, d
NC BI & PD Liab, UM, UIM 30/60/25 a, d
ND BI & PD Liab, PIP, UM, UIM 25/50/25 c
OH BI & PD Liab 25/50/25 a, c
OK BI & PD Liab 25/50/25 a, c, d
OR BI & PD Liab, PIP, UM, UIM 25/50/20 a, c
PA BI & PD Liab, PIP 15/30/5 a
RI BI & PD Liab 25/50/25 d
SC BI & PD Liab, UM, UIM 25/50/25 a, d
SD BI & PD Liab, UM, UIM 25/50/25 a
TN BI & PD Liab 25/50/15 (5) a, d
TX BI & PD Liab, PIP 30/60/25 a, d
UT BI & PD Liab, PIP 25/65/15 (5) d
VT BI & PD Liab, UM, UIM 25/50/10 c
VA BI & PD Liab (10), UM, UIM 25/50/20 a, b, c, d
WA BI & PD Liab 25/50/10 a
WV BI & PD Liab, UM, UIM 25/50/25 a, d
WI BI & PD Liab, UM, Medpay 25/50/10 a
WY BI & PD Liab 25/50/20 c, d

(1) Compulsory Coverages:
      BI Liab=Bodily injury liability
      PD Liab=Property damage liability
      UM=Uninsured motorist
      PD=Physical damage
      Med=First party (policyholder) medical expenses
      UIM=Underinsured motorist
      PIP=Personal Injury Protection. Mandatory in no-fault states. Includes medical, rehabilitation, loss of earnings and funeral expenses. In some states PIP includes essential services such as child care.
      FR=Financial responsibility only. Insurance not compulsory.
(2) The first two numbers refer to bodily injury liability limits and the third number to property damage liability. For example, 20/40/10 means coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $10,000 coverage for property damage.
(3) a. Insurer m ust notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
      b. Insurer must verify financial responsibility or insurance after an accident or arrest.
      c.Insurer must verify randomly selected insurance policies upon request.
      d. Includes states where law allows an online web-based verification system where administrators can verify insurance compliance in real time.
(4) Low-cost policy limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3.
(5) Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state.
(6) In addition, policyholders must also have coverage for medical payments. Amounts vary by state.
(7) Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured motorist coverage is required under the standard policy. Special Automobile Insurance Policy available for certain drivers which only covers emergency treatment and a $10,000 death benefit.
(8) In addition, policyholders must have 50/100 for wrongful death coverage.
(9) UIM Mandatory in policies with UM limits exceeding certain limits. Amount vary by state.
(10) Compulsory to buy insurance or pay an Uninsured Motorists Vehicle (UMV) fee to the state Department of Motor Vehicles.

*Effective January 1, 2019.
**Effective July 1, 2018.

Source: Property Casualty Insurers Association of America; state departments of insurance and motor vehicles.


The chart above provides a state-by-state overview of minimum auto liability limits and the insurance required by state law. Coverages that may be rejected by the policyholder, either in writing or verbally (i.e., are not mandatory) have been excluded.

States may also require motorists to have physical proof of valid insurance, which is usually a card issued by the insurer. They may also require motorists to provide evidence of insurance in certain situations. For example, all but about a dozen states require motorists to have valid evidence of insurance in their vehicles at all times and to produce it when stopped by law enforcers. About the same number of states require motorists to produce evidence of insurance when they are involved in a crash or shortly afterward. About half of the states require evidence of insurance when a vehicle is registered.

Increasingly, laws are being passed that expand the role of the insurer in verifying compliance with compulsory liability laws and aiding in their enforcement. Insurance companies often work in conjunction with state motor vehicle departments to verify insurance coverage. Most states have laws that specify that insurers must notify the motor vehicle department when a policy is cancelled or not renewed. In some states, insurers are asked to verify the existence of insurance at the time that a specific accident occurred. In other states, insurers are given lists of randomly selected auto registrations, which they are asked to match up with insurance policies that the motorists claim were in effect. Newer laws, known as computer data laws, require an insurer to submit its entire list of automobile liability policies, updated at specified intervals, to a state agency such as the motor vehicle department. The state agency can use the lists to verify registration applicants' declarations that insurance is in effect. (See also Background: Computer Databases.)

Penalties for driving without compulsory insurance include fines, which can be as high as $5,000 for a subsequent offense, to license or registration suspension or revocation. Some states can impose jail time, confiscate license plates and impound vehicles.


In 1927 Massachusetts became the first state to require the purchase of auto liability insurance. Since then 48 states and the District of Columbia have followed suit. Such laws usually have the support of the public despite the fact that compliance with such laws is generally poor and enforcement activities are costly. Compulsory auto insurance laws do nothing to protect drivers involved in accidents with drivers of stolen vehicles or drivers from one of the two states where insurance is not compulsory, drivers of unregistered vehicles, the insurance dodger who cancels a policy immediately after receiving a proof-of-insurance certificate and the hit-and-run driver.

Compulsory auto liability insurance is not necessarily the most effective solution. A 1994 study by the National Association of Independent Insurers (now known as PCI) found that New Hampshire, a state that does not have compulsory insurance laws, had a smaller percentage of uninsured drivers than the nearby states of Rhode Island, Vermont and Connecticut. Only 10 other states had fewer uninsured drivers. New Hampshire also had the lowest percentage of uninsured drivers—9.5 percent—of all the states without compulsory laws.

Affordability influences decisions about whether to purchase auto insurance. Risk Information, Inc. found that the 1995 Insurance Research Council (IRC) uninsured motorist rates by state, when compared with average personal auto insurance expenditures from the NAIC, points to cost, along with enforcement and culture, as factors in decisions not to buy compulsory coverage. For instance, some states such as New Jersey, New York and Louisiana have high insurance costs, especially when measured against median family income, yet their uninsured motorist rates were 12 percent or less at the time of the study. On the other hand, Alabama had an uninsured rate of 28 percent even though coverage cost much less there.

Computer databases: Insurer verification laws mandating that all insurance companies in a state submit the entire list of their policyholders to an outside vendor or a state agency, which match them to motor vehicle registrations, are a tool to help solve the uninsured motorist problem. These systems are designed to promote compliance with the law by increasing the odds of being caught driving uninsured. A number of states reported having problems administering this type of system, which in some states had a high error rate, including “mismatch” problems. Mismatch can occur when insurers and the motor vehicle or regulation department have conflicting or erroneous records that mistakenly flag policyholders for not complying with compulsory auto insurance law. Other problems with this type of system is the short-lived veracity of the data, which becomes outdated shortly after insurers report to the state.  Subsequent reconciling of state and insurer data discrepancies must be done. State departments of motor vehicles systems have become outdated. According to the Property Casualty Insurers Association of America (PCI), these database systems do not reduce uninsured motorist rates. Transactional databases encounter similar problems, along with specific errors as backlogs are created such as when existing policy cancellations do not keep up with reports of new polices.

Online verification (OLV) systems: In response to the problems with database systems which do not effectively identify and track uninsured motorists, the Insurance Industry Committee on Motor Vehicle Administration (IICMVA) has developed an industry-supported service system that would create a single online verification system. A state’s Department of Motor Vehicles or law enforcement division would use an online portal to insurer data to access real-time information about whether a motorist had insurance. The IICMVA model also established guidelines for uniformity, for example, requiring the transmission of data through Electronic Data Interchange (EDI) using a standardized format. Using this system remedies the need to exchange massive amounts of data because insurers maintain their own data.  Advantages of OLVs are that the systems provide instantaneous insurance verification which can be performed as vehicles are being registered or at traffic stops.

Other solutions to the uninsured motorist problem: Over the years various proposals for dealing with the uninsured motorist problem have been put forward. Unsatisfied judgment funds were set up in a few states to provide a source of funds for accident victims when the at-fault party has no means of paying a judgment, but their effectiveness proved to be limited. A more effective remedy is uninsured (and underinsured) motorist coverage that provides compensation to policyholders when an at-fault motorist has no liability insurance (or insufficient amounts) or when the at-fault motorist is a hit-and-run driver. Like unsatisfied judgment funds, this program does nothing to reduce the number of uninsured motorists but it does provide a way for individual drivers to deal with the financial consequences of accidents with hit-and-run or uninsured drivers. In about 20 jurisdictions, uninsured motorist coverage is mandatory. In other states, insurers are required to offer the coverage but a driver does not have to purchase it. Only a handful of states require drivers to purchase underinsured motorist coverage. The provisions of uninsured motorists laws vary by state.

The price of uninsured motorist coverage varies considerably from state to state, depending in part on the percentage of drivers who are uninsured. The price is also influenced by whether the amount available to pay claims can be increased by "stacking," a practice that works to the benefit of people who own more than one insured vehicle. In states where stacking is not specifically prohibited, liability limits under the uninsured motorist coverage may be multiplied by the number of cars insured under a single policy or may be added together where multiple vehicles are insured under different policies. Thus, in a three-car family, where uninsured motorist liability limits are $20,000, in a state that does not prohibit stacking, the amount available to pay a claim in an accident with an uninsured driver would be $60,000. Because stacking drives up the cost of auto insurance, about half of the states prohibit stacking, according to the Property Casualty Insurers Association of America. However some states, such as Missouri and Pennsylvania have upheld stacking provisions.

No-fault insurance laws also provide some relief from the problem of uninsured motorists. Under no-fault auto insurance plans, accident victims can collect benefits from their own insurance companies, regardless of whether the other party has insurance coverage (see paper on no-fault auto insurance for more information).

“No pay, no play”: In response to public concerns that people who obey compulsory laws subsidize scofflaws, legislators in more than 20 states have proposed “no pay, no play” laws, which ban uninsured drivers from suing for noneconomic damages such as pain and suffering. As of August 2016, 11 states have enacted such laws. Indiana’s law, which went into effect July 1, 2015, specifies that in the event of an accident resulting in bodily injury or property damage, with some exceptions, an uninsured driver may not receive noneconomic damages for pain and suffering. Missouri’s law prohibits uninsured drivers from collecting pain and suffering (noneconomic damages) from a motor vehicle accident, unless the defendant in the lawsuit operated a vehicle under the influence of alcohol or drugs or was convicted of involuntary manslaughter or second-degree assault. In Michigan uninsured drivers who are 50 percent or more at fault cannot collect noneconomic damages in the event of an auto accident. California's plan (Proposition 213) goes further by curtailing lawsuits for drunk drivers as well as for those who are uninsured. Louisiana’s law compels uninsured motorists to pay for the first $10,000 in out-of-pocket medical expenses and the first $10,000 in property damage before they can sue the other party. New Jersey's law, similar to California’s Proposition 213, specifies that uninsured and drunk drivers, as well as motorists who intentionally commit other crimes, may not file lawsuits for economic or noneconomic damages. These laws were upheld in New Jersey and Louisiana. A related issue was addressed in Iowa, where the governor signed a bill prohibiting motorists from collecting noneconomic damages for injuries resulting from an accident if the motorist was using the vehicle while committing a felony.

In December 2012 the Insurance Research Council (IRC) released the findings of a study, The Potential Effects of No Pay, No Play Laws, which examined the 10 states that had no pay, no play laws at the time. It concluded that adopting such a law may result in a reduction of up to 1.6 percent in a state’s percentage of uninsured drivers after controlling for changes in unemployment and insurance affordability, which have significant impacts.

Low-cost policies: Low-cost auto policies are designed for drivers who cannot afford regularly priced auto policies or who have little or no assets to protect. New Jersey's Basic Policy offers $15,000 in personal injury protection, up to $250,000 in medical benefits for catastrophic injuries and $5,000 property damage liability. Policyholders have the option to buy $10,000 bodily injury liability coverage but they cannot buy uninsured, underinsured or collision and comprehensive coverage. The newer Dollar-A-Day policy provides emergency medical care coverage immediately after an accident and $10,000 death benefits but no coverage for liability.

California's program for low-income drivers is administered by the California Assigned Risk Program. Every auto insurer doing business in the state must take their “fair share” of applicants. The program was originally set up in 1999 for drivers in Los Angeles and San Francisco counties. By the end of 2007, low-cost auto policies had become available to all drivers in the state. In 2012, premiums were lowered statewide resulting from a decrease in crashes and damage in 2011 caused by policyholders.

Only drivers over age 19 with good driving records and low incomes (up to 250 percent of the poverty level) are eligible. Applicants must have motor vehicles valued at $25,000 or less. Rates are set in each county so that premiums are sufficient to cover losses and expenses in each county. The policy provides up to $10,000 in liability coverage for one person involved in an accident and up to $20,000 for more than one person. It also includes payment options, allowing a 15 percent deposit and six monthly installments, optional $10,000/$20,000 uninsured motorist bodily injury coverage and $1,000 medical payments coverage. As of January 2015, drivers who had not previously been continually licensed for the past three years were eligible to use the program. The program had 12,900 policies in effect at the end of 2014.

Undocumented immigrants' drivers licenses: Proponents in favor of granting undocumented immigrants drivers licenses say that the requirement would promote safety and responsibility by ensuring drivers have passed a driving exam and have insurance, as is generally required for licenses, and would ensure that more complete data is available to officials checking drivers license databases for information on an individual driver, such as place of residence or driving record. Opponents say the licenses create a security risk by potentially providing illegal immigrants with ease of access to secure buildings and other privileges.

As of July 2015 a dozen states and the District of Columbia had laws granting driving privileges to undocumented drivers, according to the National Conference of State Legislatures. Five states (California, Colorado, Connecticut, Hawaii and Maryland) allow the issuance of drivers licenses to those who do not have lawful status or a Social Security number if specified documentation is produced. The District of Columbia offers a limited drivers license. Two additional states (New Mexico and Washington) accept tax identification numbers or other proof of residence in lieu of a Social Security number, for the purpose of obtaining a drivers license. Four states issue a drivers privilege card (Delaware, Nevada, Utah and Vermont).  Utah’s drivers privilege card is valid for one year. Illinois issues a temporary visitor’s driving license.  The type of required documents necessary for obtaining driving privileges varies by state.  For example, in some states tax returns or a tax identification number are required. Three states expressly prohibit the use of the license or privilege card for identification purposes. Oregon’s drivers license law for undocumented immigrants was suspended by voter referendum.

According to the California Department of Insurance, in 2015, the California Department of Motor Vehicles issued about 605,000 driver licenses to undocumented applicants.


Estimated Percentage Of Uninsured Motorists By State, 2015 (1)

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.

View Archived Tables



Estimated Percentage Of Uninsured Motorists, 1992-2015 (1)

Year Percent Year Percent Year Percent
1992 15.6% 2000 13.4% 2008 14.3%
1993 16.0 2001 14.2 2009 13.8
1994 15.1 2002 14.5 2010 12.3
1995 14.2 2003 14.9 2011 12.3
1996 13.8 2004 14.6 2012 12.6
1997 13.2 2005 14.6 2013 12.7
1998 13.0 2006 14.3 2014 13.0
1999 12.8 2007 13.8 2015 13.0

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claim frequencies.

Source: Insurance Research Council.

View Archived Tables



Top 10 Highest And Lowest States By Estimated Percentage Of Uninsured Motorists, 2015 (1)


Highest Lowest
Rank State Percent uninsured Rank State Percent uninsured
1 Florida 26.7% 1 Maine 4.5%
2 Mississippi 23.7 2 New York 6.1
3 New Mexico 20.8 3 Massachusetts 6.2
4 Michigan 20.3 4 North Carolina 6.5
5 Tennessee 20.0 5 Vermont 6.8
6 Alabama 18.4 6 Nebraska 6.8
7 Washington 17.4 7 North Dakota 6.8
8 Indiana 16.7 8 Kansas 7.2
9 Arkansas 16.6 9 Pennsylvania 7.6
10 D.C. 15.6 10 South Dakota 7.7

(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claim frequencies.

Source: Insurance Research Council.

View Archived Tables


Additional resources

Allstate. Auto Insurance State Coverage Map. Includes information on required limits and common limits, by state.

© Insurance Information Institute, Inc. - ALL RIGHTS RESERVED

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