Uninsured Motorist Coverage by State
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By the AutoQuotesByZip editorial team. Last reviewed: October 4, 2026. Data: Insurance Research Council estimates for 2023, via the Insurance Information Institute; requirements from state sources.
About one in seven U.S. drivers — an estimated 15.4% in 2023 — had no auto insurance, according to the Insurance Research Council. The share ranges from 5.7% in Maine to 28.2% in Mississippi. Uninsured motorist (UM) coverage pays for your injuries when an at-fault driver has no insurance, and underinsured motorist (UIM) coverage helps when their limits are too low.
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Uninsured driver rates and UM requirements by state
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| Rank | State | Estimated uninsured drivers (2023) | UM/UIM required? |
|---|---|---|---|
| 1 | Mississippi | 28.2% | — |
| 2 | New Mexico | 24.1% | — |
| 3 | District of Columbia | 23.1% | Yes |
| 4 | Michigan | 22.3% | — |
| 5 | Tennessee | 21.3% | — |
| 6 | Missouri | 20.7% | Yes |
| 7 | Florida | 20.6% | — |
| 8 | California | 20.4% | — |
| 9 | Colorado | 19.7% | — |
| 10 | Washington | 19.1% | — |
| 11 | Georgia | 19.0% | — |
| 12 | Ohio | 18.5% | — |
| 13 | Delaware | 17.6% | — |
| 14 | Maryland | 16.9% | Yes |
| 15 | Alabama | 16.8% | — |
| 16 | Wisconsin | 15.6% | Yes |
| 17 | Illinois | 15.2% | Yes |
| 18 | Oregon | 14.7% | Yes |
| 19 | Texas | 14.5% | — |
| 20 | Kentucky | 14.1% | — |
| 20 | New Jersey | 14.1% | — |
| 22 | Indiana | 14.0% | — |
| 23 | Virginia | 12.9% | — |
| 24 | Alaska | 12.5% | — |
| 25 | Rhode Island | 12.4% | — |
| 26 | Arkansas | 12.1% | — |
| 27 | Kansas | 12.0% | Yes |
| 27 | Oklahoma | 12.0% | — |
| 29 | Connecticut | 11.8% | Yes |
| 29 | North Carolina | 11.8% | — |
| 29 | Vermont | 11.8% | Yes |
| 32 | Louisiana | 11.7% | — |
| 33 | Iowa | 11.4% | — |
| 34 | Minnesota | 11.3% | Yes |
| 35 | Nevada | 11.1% | — |
| 36 | Pennsylvania | 11.0% | — |
| 37 | Arizona | 10.6% | — |
| 37 | North Dakota | 10.6% | — |
| 39 | South Carolina | 10.3% | Yes |
| 40 | New Hampshire | 10.0% | — |
| 41 | Hawaii | 9.6% | — |
| 42 | Nebraska | 9.5% | Yes |
| 43 | South Dakota | 9.4% | Yes |
| 44 | New York | 8.6% | Yes |
| 45 | Massachusetts | 7.9% | Yes |
| 46 | West Virginia | 7.8% | Yes |
| 47 | Montana | 7.2% | — |
| 48 | Wyoming | 6.7% | — |
| 49 | Idaho | 6.4% | — |
| 50 | Utah | 6.2% | — |
| 51 | Maine | 5.7% | Yes |
Compare quotes for your ZIP code with the same UM/UIM limits.
Where uninsured drivers are most common
The highest estimated rates were in Mississippi (28.2%), New Mexico (24.1%), the District of Columbia (23.1%), Michigan (22.3%) and Tennessee (21.3%). The lowest were in Maine (5.7%), Utah (6.2%), Idaho (6.4%), Wyoming (6.7%) and Montana (7.2%). Among our state guides, Florida (20.6%) and California (20.4%) rank in the top ten, while New York (8.6%) is among the lowest.
How UM and UIM coverage work
UM bodily injury coverage pays medical bills, lost wages and pain and suffering for you and your passengers when an uninsured or hit-and-run driver is at fault, up to your UM limits. UIM pays the difference when the at-fault driver’s liability limits are too low. Some states also offer UM property damage. In states where UM is optional, insurers often must offer it and you must reject it in writing — so check your current policy before assuming you have it.
A practical starting point is to match your UM/UIM limits to your own liability limits. If you already carry strong health and disability coverage, the value of higher UM limits is somewhat lower, but UM also covers pain and suffering, which health insurance does not.
Frequently asked questions
What percentage of drivers are uninsured?
The Insurance Research Council estimated that 15.4% of U.S. drivers were uninsured in 2023.
Which state has the most uninsured drivers?
Mississippi, with an estimated 28.2% of drivers uninsured in 2023, followed by New Mexico at 24.1%.
Is uninsured motorist coverage required?
It depends on the state. At least 16 states and the District of Columbia require UM or UIM coverage; in many others insurers must offer it and you can reject it in writing.
Sources
- Insurance Information Institute, Facts + Statistics: Uninsured motorists (Insurance Research Council estimates for 2023)
- State requirements: see sources on our minimum requirements page
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