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Estimated Percentage of Uninsured Motorists by State, 2017-2022 (1)

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State 2017 2018 2019 2020 2021 2022 Rank (2)
Alabama 15.3% 15.3% 14.9% 15.2% 15.3% 14.2% 20
Alaska 9.0 9.8 10.0 9.7 9.3 11.3 29
Arizona 9.4 9.3 9.3 11.3 12.3 11.9 27
Arkansas 15.0 14.2 12.6 13.9 14.5 15.1 18
California 14.0 14.7 13.4 17.8 18.0 17.0 11
Colorado 14.4 15.6 14.8 19.0 18.7 17.5 9
Connecticut 8.5 7.9 8.2 11.0 11.9 10.4 33
Delaware 15.0 14.5 12.8 13.8 19.2 18.1 8
D.C. 17.4 15.9 16.8 26.8 27.3 25.2 1
Florida (3) 17.6 17.9 18.8 19.5 17.3 15.9 15
Georgia 13.9 13.4 13.4 16.8 17.9 18.1 7
Hawaii 7.4 8.3 8.2 10.0 11.9 10.9 31
Idaho 8.8 7.7 6.9 5.6 5.5 6.2 49
Illinois 13.7 13.6 13.8 18.6 16.5 16.3 13
Indiana 11.1 10.5 10.5 12.8 13.8 13.9 21
Iowa 9.1 7.2 7.4 9.7 9.8 9.9 35
Kansas 7.8 6.8 6.7 9.7 8.9 8.0 44
Kentucky 15.6 15.4 15.1 19.7 20.4 18.7 6
Louisiana 10.8 11.3 11.1 12.1 12.4 13.7 23
Maine 5.5 5.0 5.7 6.1 5.1 6.2 50
Maryland 12.7 11.5 11.8 15.5 15.7 15.1 17
Massachusetts 4.9 4.8 4.9 6.6 7.9 8.8 40
Michigan 20.3 18.5 21.7 25.7 20.1 19.6 5
Minnesota 7.6 7.4 7.4 10.4 10.0 8.7 42
Mississippi 19.6 20.1 19.5 21.7 21.6 22.2 3
Missouri 13.4 14.0 13.4 17.8 16.9 16.0 14
Montana 13.8 10.2 9.7 9.4 10.6 8.8 39
Nebraska 6.1 6.1 6.1 6.9 8.3 7.8 46
Nevada 9.0 10.1 9.0 9.8 9.8 8.8 41
New Hampshire 6.8 7.6 6.2 8.9 8.1 7.8 47
New Jersey 7.8 7.7 7.8 9.8 11.1 10.9 30
New Mexico 19.3 18.6 18.5 22.3 22.4 24.9 2
New York 5.8 5.2 4.4 6.8 9.4 10.8 32
North Carolina 7.2 7.4 7.3 9.3 9.9 10.3 34
North Dakota 6.0 6.5 4.0 4.7 6.3 7.9 45
Ohio 13.0 11.7 12.0 16.7 17.3 17.1 10
Oklahoma 14.1 15.0 13.7 12.8 12.2 11.8 28
Oregon 9.4 9.5 8.9 10.7 13.1 12.3 24
Pennsylvania 7.3 6.7 6.5 9.9 10.7 9.6 37
Rhode Island 13.1 11.2 11.6 13.8 15.0 15.6 16
South Carolina 9.9 10.1 9.3 10.7 11.1 12.3 25
South Dakota 8.2 8.1 6.6 6.7 9.6 8.0 43
Tennessee 16.3 15.6 14.7 19.5 19.7 20.9 4
Texas 11.1 11.0 11.0 13.6 13.4 13.8 22
Utah 5.7 6.3 6.0 6.8 7.2 7.3 48
Vermont 7.0 6.2 4.4 5.7 9.1 9.7 36
Virginia 9.4 9.1 9.0 12.5 12.9 12.1 26
Washington 13.2 12.3 11.2 13.1 15.6 16.5 12
West Virginia 10.0 9.4 9.5 9.7 8.5 8.9 38
Wisconsin 13.2 12.7 12.3 16.1 15.3 15.1 19
Wyoming 15.3 4.2 6.3 7.1 5.8 5.9 51
(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claims frequencies. (2) Rank is on 2022 percentage of uninsured motorists, 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.