The Car and Truck Fleet and Leasing Management Magazine

Study Shows States With Most Uninsured Motorists

April 29, 2011

MALVERN, PA - Across the United States, chances are roughly one in seven that a driver is uninsured, according to new estimates from the Insurance Research Council (IRC).

The estimated percentage of uninsured motorists declined four straight years before rising to 14.3 percent in 2008 and dropping to 13.8 percent in 2009. The economic downturn is thought to be a major factor in the brief increase.

In 2009, the five states with the highest uninsured driver estimates were Mississippi (28 percent), New Mexico (26 percent), Tennessee (24 percent), Oklahoma (24 percent), and Florida (24 percent). The five states with the lowest uninsured driver estimates were Massachusetts (4.5 percent), Maine (4.5 percent), New York (5 percent), Pennsylvania (7 percent), and Vermont (7 percent).

“The leveling trend in the percentage of uninsured motorists is an unfortunate consequence of the economic downturn and illustrates how virtually everyone is affected by recent economic developments," said Elizabeth A. Sprinkel, senior vice president of the IRC. “Despite laws in many states requiring drivers to maintain insurance, about one in seven motorists remain uninsured. This forces responsible drivers who carry insurance to bear the burden of paying for injuries caused by drivers who carry no insurance at all.”

In a new study, Uninsured Motorists, 2011 Edition, IRC estimates the percentage of uninsured drivers countrywide and in individual states for 2008 and 2009. The IRC estimates are based on the ratio of uninsured motorist (UM) insurance claim frequency to bodily injury (BI) claim frequency. UM claims are made by individuals who are injured in accidents caused by uninsured drivers. BI claims are made by individuals injured in accidents caused by insured drivers. The magnitude of the uninsured motorist problem varies from state to state.

In a previous report, the IRC anticipated a trend reversal in the countrywide estimate of the percentage of uninsured motorists, citing a strong historical relationship between the national unemployment rate and the national UM to BI ratio. The strength of the historical relationship appears to have diminished slightly with the inclusion of more recent data. Several possible reasons for this are discussed in the report.

The IRC study examines data collected from nine insurers, representing approximately 50 percent of the private passenger auto insurance market in the U.S.

Twitter Facebook Google+


Please note that comments may be moderated. 
Leave this field empty:

  1. 1. steve satori [ April 29, 2012 @ 09:31PM ]

    The states with the highest percentages of blacks and illegals are the states with the highest percentages of uninsured motorists. A no brainer.


Fleet Incentives

Determine the actual cost of owning and running a vehicle in your fleet. Compare vehicles by class and model.

Sponsored by

MRM stands for Mobile Resource Management. This concept refers to the body of knowledge related to managing mobile resources, including vehicles, devices, and personnel.

Read more

Accident Costs Calculator

Use this calculator to see how much extra sales revenue your company needs to generate to make up for the profits lost as a result of fleet accidents.
Launch Accident Cost Calculator 

Up Next

More From The World's Largest Fleet Publisher