What percentage of Americans drive without car insurance?
The percentage of uninsured motorists stood at 11.1 percent in 2019 before increasing to 13.9 percent in 2020 and 14.2 percent in 2021, before slightly declining to 14.0 percent in 2022, the IRC estimated.
About 13% of people on the road are uninsured drivers. Car insurance is required in nearly every state. However, there are around 29 million uninsured drivers in the U.S. That means about one out of every eight drivers doesn't have car insurance.
There are 28 million uninsured drivers drivers in the U.S. 1 in 8 motorists (12.6%) don't have auto insurance.
However, with increasing premiums, the Golden State is on the top ten list of states with the highest number of uninsured drivers. Essentially, 17 percent of all motorists in California do not have car insurance. Uninsured drivers put responsible, insured drivers at risk every day.
Only 32% of Americans have never been in a car accident, which means that more than two-thirds of drivers have filed an accident report at least once. About half those wrecks resulted in minor vehicle damage, although a comparable number saw major property or vehicular damage.
Auto Insurance
You cannot legally drive in any state without demonstrating financial responsibility for damages or liability in the event of an accident. In most states auto insurance is mandatory as proof of this responsibility.
Texas is still the state with the highest percentage of uninsured residents, at nearly 17 percent, according to the most recent U.S. Census Bureau survey released Thursday. Sign up for The Brief, The Texas Tribune's daily newsletter that keeps readers up to speed on the most essential Texas news.
The uninsured rate in 2022 declined to 9.6% from 10.2% in 2021 and 10.9% in 2019, and the number of people who were uninsured decreased by 1.9 million from 2021 to 2022 and 3.3 million from 2019 to 2022 (Figure 1).
Texas was the state with the highest percentage of uninsured among its population, while Massachusetts reported the lowest share of uninsured This statistic presents the percentage of the total population in the United States without health insurance in 2021, by state.
New Hampshire and Virginia are the only two states that don't require car insurance. In Virginia, drivers can pay the state a fee of $500 instead of buying car insurance, but that leaves them on the hook for damage they cause in an accident.
What states is it illegal to not have car insurance?
In every state — except for Virginia and New Hampshire — drivers are required to carry some form of auto insurance. If you get caught driving without insurance in state that requires it, you can be subject to large fines, the cancellation of your license or car registration and even jail time.
About 9% of adult Americans don't have a valid driver's license. The age groups with the highest percentage without a driver's license are 19 years old and under (60.5%), 85 and older (30.9%) and 20 to 24 (19.0%).
The Triple-I website estimates that, as per year-end 2022 data, some 15.9 percent of Florida drivers do not have insurance on their vehicles, higher than the national average of 14 percent.
Summary: Based on 2022 California Health Interview Survey (CHIS) data, the percentage of nonelderly Californians without health insurance dropped to 6.2% in 2022, a significant decline from 2021 (7.4%).
If you get hit by someone without insurance in California, file an uninsured motorist claim for compensation. You can also consider a lawsuit, but collecting may be challenging. If you lack insurance but are not at fault, California's “no-pay-no-play” law limits non-economic damages.
National statistics show that almost 106 million women have their driver's licenses and 104 million men do. Female drivers travel about 10,000 miles each year, while male drivers travel about 16,500 miles each year. This means that women drivers about 30 percent less than men do each year.
Every year, men are involved in more serious car crashes than women. Men are more likely to engage in risky driving practices, including not using seat belts, driving while impaired, and speeding.
The color of your car doesn't affect your insurance rate. Instead, your insurance company uses other information, like your car's age, location, usage, and your driving record, to help determine insurance rates. Learn more about the factors that impact auto insurance pricing.
What happens if you don't have car insurance? Motorists who are pulled over by law enforcement and do not have auto insurance may receive fines, have their automobile impounded, and/or receive a license suspension. Jail time for this offense is rare except for multiple offenders.
The three main types of car insurance are often considered: liability, comprehensive, and collision. This is because liability is required by law in most states, and comprehensive and collision coverage are required for most car loans and leases.
What race is the most uninsured?
Coverage by Race and Ethnicity as of 2022
Nonelderly AIAN and Hispanic people had the highest uninsured rates at 19.1% and 18.0%, respectively, as of 2022. Uninsured rates for nonelderly NHOPI (12.7%) and Black people (10.0%) also were higher than the rate for their White counterparts (6.6%).
Another factor that increases the likelihood of being uninsured is the level of educational attainment. Texas has lower rates of high school and college graduates than the national average (Murdoch, 2003). There is a strong correlation between education and income as well as between income and insurance.
Among uninsured adults aged 18–64, the most common reason for being currently uninsured was that coverage was not affordable. The percentage of uninsured adults who were uninsured because coverage was not affordable increased with age, from 66.8% among those aged 18–29 to 80.9% among those aged 50–64.
Young Adults (Ages 18 Through 24 Years)
Almost three out of every ten young adults do not have health insurance. Members of this age group are nearly twice as likely to be uninsured compared to members of the general population under age 65.
In 2022, 92.1 percent of people, or 304.0 million, had health insurance at some point during the year, representing an increase in the insured rate and number of insured from 2021 (91.7 percent or 300.9 million).
