– Share of drivers who were uninsured, 2019: 6% – Share of drivers who were uninsured, 2009: 15%Īn orange sunset over homes on the water. – Share of drivers who were uninsured, 2019: 8% – Percentage point change: -7 percentage pointsĬars on a large bridge with the Dallas skyline and sun setting in the background. – Share of drivers who were uninsured, 2009: 14% – Share of drivers who were uninsured, 2019: 7% – Percentage point change: -8 percentage points ![]() – Share of drivers who were uninsured, 2009: 11% – Share of drivers who were uninsured, 2019: 3% – Percentage point change: -11 percentage points – Share of drivers who were uninsured, 2009: 24% – Share of drivers who were uninsured, 2019: 13% Sabrina Janelle Gordon // Shutterstock Oklahoma ![]() The aim of the program was to divert uninsured motorist cases away from courts while helping drivers avoid a criminal conviction. The driver is then able to avoid going to court for criminal charges if they agree to pay a $190 diversion fee and enroll in insurance for at least two years. ![]() It’s run by the administrative agency that oversees the state’s local prosecutors.Ĭameras positioned around the state photograph license plates and match them against a database of registered insurance policies, kicking a notice out to any driver without one. Oklahoma, which has been more successful in reducing the number of uninsured drivers on roads than any other state, began a program called the Uninsured Vehicle Enforcement Diversion Program in 2018. Mississippi, which boasts the highest rate of uninsured drivers in the country, saw its rate grow over the 10 years measured. States in the Great Lakes and the Pacific Northwest regions have seen the largest growth in uninsured drivers on the road while Oklahoma, Texas, and South Carolina have seen their rates decrease. The General Uninsured driver rates remained consistent across much of the USĪ heat map of the U.S., showing the percentage point change by state in the share of drivers who were uninsured. An insured driver will often need to pay for uninsured motorist insurance on top of their typical coverage, or else resort to recouping the damages in court, in case they are hit by an uninsured driver. Insurance firms caution that for a driver, the annual premium can pale in comparison to the costs of being sued while uninsured for the full damages following an accident they caused. But driving without insurance is a gamble with the potential for financial disaster. ![]() They typically do so to avoid the annual premium cost, which can increase based on a driver’s safety record. Still, there will always be a proportion of drivers who elect to hit the road without the proper liability insurance. Virginia drivers are generally required to have insurance but can pay a $500 annual fee to the state for permission not to have insurance-which makes them personally liable for any costs an insurance plan might cover. New Hampshire is the only state without a law specifically requiring auto insurance on the books but does require drivers to have enough money to cover the state’s minimum liability requirements in the event of a crash. Almost every state requires drivers to purchase an insurance policy and carry proof in their vehicles at all times.
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