One in Eight Drivers Uninsured Countrywide Rate Increases as Several States Experience Significant Decrease

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Countrywide, about one in eight drivers on the road in 2015 was uninsured, according to a new report from the Insurance Research Council (IRC).

Estimated Percentage of Uninsured Driver 2105 2

Countrywide, about one in eight drivers on the road in 2015 was uninsured, according to a new report from the Insurance Research Council (IRC). After a seven year decline from a high of 14.9 percent in 2003, the countrywide uninsured motorist (UM) rate increased from 12.3 percent in 2010 to 13.0 percent in 2015. Uninsured motorist rates varied substantially among individual states, ranging from 4.5 percent in Maine to 26.7 percent in Florida.

Despite the recent increase in the countrywide UM rate, several states with chronically high rates of uninsured drivers experienced significant declines in UM rates. Oklahoma’s UM rate in 2015 was 10.5 percent—15.4 percentage points lower than the state’s 25.9 percent rate in 2012. New Mexico also experienced a significant decrease in its UM rate—falling from 29.8 percent in 2006 to 20.8 percent in 2015. (Even with the substantial improvement, however, New Mexico still had one of the highest uninsured motorist rates in the country in 2015.) Other states with significant improvement include Alabama (8.0 percentage point decline from 2006–15), Arizona (7.2 percentage point decline), and California (5.7 percentage point decline). Despite the recent improvement in states with chronically high UM rates in the past, the number of jurisdictions with increasing rates from 2010–15 doubled the number with decreasing rates.

“The drop in uninsured motorist rates in several states certainly is good news,” said Elizabeth A. Sprinkel, senior vice president of the IRC. “However, the increase in the countrywide rate is a concern. IRC is exploring why uninsured motorist rates vary so much across states and why the countrywide rate is once again be on the rise.”

The IRC report, Uninsured Motorists, 2017 Edition, examines data collected from 14 insurers representing approximately 60 percent of the private passenger auto insurance market in 2015. For more information on the study’s methodology and findings, contact David Corum, at
(484) 831-9046, or by e-mail at For more information about how to purchase the report, visit the IRC’s Web site at


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NOTE TO EDITORS: The Insurance Research Council is a division of The Institutes. The Institutes are an independent, nonprofit organization dedicated to providing educational programs, professional certification, and research for the property-casualty insurance business. The IRC conducts research on a wide range of public policy issues affecting property-casualty insurance companies and their customers, and is supported by leading property-casualty insurance organizations.

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Eva Greenholt
The Institutes
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