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Florida: uninsured drivers

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

Single detailed source
Estimated share of drivers uninsured (2023)20.6%
Uninsured motorist coverageNot required (insurers must offer it)

Uninsured rates are Insurance Research Council estimates for 2023, the latest available. Required coverage limits usually match your state's liability minimums.

General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in Florida.

How Florida compares

20.6% ranks 7 of 51 (1 = highest) for share of drivers uninsured (2023).

Lowest 5.7%Highest 28.2%

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)

Also for Florida: Car insurance by state in Florida · Claim deadlines in Florida · Small claims limits in Florida · Total loss rules in Florida · Dog bite rules in Florida · Shared fault rules in Florida · Accident reporting rules in Florida · Phone-while-driving laws in Florida · Motorcycle helmet laws in Florida · All Florida rules on one page

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.