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Uninsured drivers by state

The share of drivers on the road without insurance in each state, and whether you must buy uninsured motorist coverage.

General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Rules have exceptions; open your state for details and the law it comes from.

28.2%Highest: Mississippi
12.1%Middle state: Arkansas
5.7%Lowest: Maine
51states and DC covered: 17 cross-checked, 34 single detailed source

Share of drivers uninsured (2023): map

Alaska: 12.5%AKMaine: 5.7%MEVermont: 11.8%VTNew Hampshire: 10.0%NHWashington: 19.1%WAIdaho: 6.4%IDMontana: 7.2%MTNorth Dakota: 10.6%NDMinnesota: 11.3%MNIllinois: 15.2%ILWisconsin: 15.6%WIMichigan: 22.3%MINew York: 8.6%NYRhode Island: 12.4%RIMassachusetts: 7.9%MAOregon: 14.7%ORNevada: 11.1%NVWyoming: 6.7%WYSouth Dakota: 9.4%SDIowa: 11.4%IAIndiana: 14.0%INOhio: 18.5%OHPennsylvania: 11.0%PANew Jersey: 14.1%NJConnecticut: 11.8%CTCalifornia: 20.4%CAUtah: 6.2%UTColorado: 19.7%CONebraska: 9.5%NEMissouri: 20.7%MOKentucky: 14.1%KYWest Virginia: 7.8%WVVirginia: 12.9%VAMaryland: 16.9%MDDelaware: 17.6%DEArizona: 10.6%AZNew Mexico: 24.1%NMKansas: 12.0%KSArkansas: 12.1%ARTennessee: 21.3%TNNorth Carolina: 11.8%NCSouth Carolina: 10.3%SCDistrict of Columbia: 23.1%DCOklahoma: 12.0%OKLouisiana: 11.7%LAMississippi: 28.2%MSAlabama: 16.8%ALGeorgia: 19.0%GAHawaii: 9.6%HITexas: 14.5%TXFlorida: 20.6%FL
  • 5.7% – 9.6% (11)
  • 10% – 11.8% (12)
  • 12% – 14.1% (9)
  • 14.5% – 19% (9)
  • 19.1% – 28.2% (10)
All states ranked: share of drivers uninsured (2023)
Mississippi: 28.2%Mississippi28.2%New Mexico: 24.1%New Mexico24.1%District of Columbia: 23.1%District of Columbia23.1%Michigan: 22.3%Michigan22.3%Tennessee: 21.3%Tennessee21.3%Missouri: 20.7%Missouri20.7%Florida: 20.6%Florida20.6%California: 20.4%California20.4%Colorado: 19.7%Colorado19.7%Washington: 19.1%Washington19.1%Georgia: 19.0%Georgia19%Ohio: 18.5%Ohio18.5%Delaware: 17.6%Delaware17.6%Maryland: 16.9%Maryland16.9%Alabama: 16.8%Alabama16.8%Wisconsin: 15.6%Wisconsin15.6%Illinois: 15.2%Illinois15.2%Oregon: 14.7%Oregon14.7%Texas: 14.5%Texas14.5%Kentucky: 14.1%Kentucky14.1%New Jersey: 14.1%New Jersey14.1%Indiana: 14.0%Indiana14%Virginia: 12.9%Virginia12.9%Alaska: 12.5%Alaska12.5%Rhode Island: 12.4%Rhode Island12.4%Arkansas: 12.1%Arkansas12.1%Kansas: 12.0%Kansas12%Oklahoma: 12.0%Oklahoma12%Connecticut: 11.8%Connecticut11.8%North Carolina: 11.8%North Carolina11.8%Vermont: 11.8%Vermont11.8%Louisiana: 11.7%Louisiana11.7%Iowa: 11.4%Iowa11.4%Minnesota: 11.3%Minnesota11.3%Nevada: 11.1%Nevada11.1%Pennsylvania: 11.0%Pennsylvania11%Arizona: 10.6%Arizona10.6%North Dakota: 10.6%North Dakota10.6%South Carolina: 10.3%South Carolina10.3%New Hampshire: 10.0%New Hampshire10%Hawaii: 9.6%Hawaii9.6%Nebraska: 9.5%Nebraska9.5%South Dakota: 9.4%South Dakota9.4%New York: 8.6%New York8.6%Massachusetts: 7.9%Massachusetts7.9%West Virginia: 7.8%West Virginia7.8%Montana: 7.2%Montana7.2%Wyoming: 6.7%Wyoming6.7%Idaho: 6.4%Idaho6.4%Utah: 6.2%Utah6.2%Maine: 5.7%Maine5.7%

Full table

StateDrivers uninsuredUM/UIM coverage
Alabama Single detailed source16.8%Not required (insurers must offer it)
Alaska Single detailed source12.5%Not required (insurers must offer it)
Arizona Single detailed source10.6%Not required (insurers must offer it)
Arkansas Single detailed source12.1%Not required (insurers must offer it)
California Single detailed source20.4%Not required (insurers must offer it)
Colorado Single detailed source19.7%Not required (insurers must offer it)
Connecticut11.8%Uninsured and underinsured motorist required
Delaware Single detailed source17.6%Not required (insurers must offer it)
District of Columbia23.1%Uninsured motorist required
Florida Single detailed source20.6%Not required (insurers must offer it)
Georgia Single detailed source19.0%Not required (insurers must offer it)
Hawaii Single detailed source9.6%Not required (insurers must offer it)
Idaho Single detailed source6.4%Not required (insurers must offer it)
Illinois15.2%Uninsured and underinsured motorist required
Indiana Single detailed source14.0%Not required (insurers must offer it)
Iowa Single detailed source11.4%Not required (insurers must offer it)
Kansas12.0%Uninsured and underinsured motorist required
Kentucky Single detailed source14.1%Not required (insurers must offer it)
Louisiana Single detailed source11.7%Not required (insurers must offer it)
Maine5.7%Uninsured and underinsured motorist required
Maryland16.9%Uninsured and underinsured motorist required
Massachusetts7.9%Uninsured motorist required
Michigan Single detailed source22.3%Not required (insurers must offer it)
Minnesota11.3%Uninsured and underinsured motorist required
Mississippi28.2%Not required (insurers must offer it)
Missouri20.7%Uninsured motorist required
Montana Single detailed source7.2%Not required (insurers must offer it)
Nebraska9.5%Uninsured and underinsured motorist required
Nevada Single detailed source11.1%Not required (insurers must offer it)
New Hampshire Single detailed source10.0%Not required (car insurance itself is optional, but a policy must include it)
New Jersey14.1%Uninsured and underinsured motorist required
New Mexico24.1%Not required (insurers must offer it)
New York Single detailed source8.6%Uninsured and underinsured motorist required
North Carolina Single detailed source11.8%Uninsured and underinsured motorist required
North Dakota Single detailed source10.6%Uninsured and underinsured motorist required
Ohio Single detailed source18.5%Not required (insurers must offer it)
Oklahoma Single detailed source12.0%Not required (insurers must offer it)
Oregon Single detailed source14.7%Uninsured and underinsured motorist required
Pennsylvania Single detailed source11.0%Not required (insurers must offer it)
Rhode Island Single detailed source12.4%Not required (insurers must offer it)
South Carolina10.3%Uninsured motorist required
South Dakota9.4%Uninsured and underinsured motorist required
Tennessee Single detailed source21.3%Not required (insurers must offer it)
Texas Single detailed source14.5%Not required (insurers must offer it)
Utah Single detailed source6.2%Not required (insurers must offer it)
Vermont11.8%Uninsured and underinsured motorist required
Virginia12.9%Uninsured and underinsured motorist required
Washington Single detailed source19.1%Not required (insurers must offer it)
West Virginia Single detailed source7.8%Uninsured motorist required
Wisconsin Single detailed source15.6%Uninsured motorist required
Wyoming Single detailed source6.7%Not required (insurers must offer it)

How we checked this

Uninsured rates are Insurance Research Council estimates for 2023. Coverage requirements come from the APCIA/Insurance Information Institute state table and were checked against a second listing of the III data. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.

Cross-checked sources agree   Checked on official source confirmed on a government, court or legislature site   Single detailed source one detailed table built from statutes or official data   Under review sources disagree; read the note and the law.