The Insurance Research Council estimates that 13.8 percent of motorists do not have car insurance policies – about one in seven drivers.
Nearly every state in the U.S. has laws forbidding people to drive without auto insurance, but uninsured motorists abound – from 4 percent in Massachusetts to 28 percent in Mississippi.
Registration policies affect the number of uninsured motorists. For example, in Massachusetts, a person must show proof of insurance before he or she can register a vehicle. However, in Mississippi, police have no way to determine whether a driver is insured or not. The state doesn't require proof of insurance. Auto insurance is compulsory in every state except for New Hampshire.
Drivers who are insured pay a large price for other drivers who don't have auto insurance. According to recent data from the National Association of Insurance Commissioners, insured drivers paid $10.8 billion in 2007 to protect themselves and those without policies.
The states with the highest percentages of uninsured drivers include: Mississippi (28%), New Mexico (26%), Florida (24%), Tennessee (24%), and Oklahoma (24%). Pennsylvania has 7% of drivers who are uninsured. That's why it's so important to carry Uninsured Motorist Coverage.