10 states with the most uninsured motorists

10 states with the most uninsured motorists

10 states with the most uninsured motorists Fewer Americans are driving without auto insurance, suggesting market penetration has increased in the past year, according to a new report from the Insurance Research Council (IRC).

In its “Uninsured Motorists” study, the IRC found that the number of uninsured motorists peaked in 2009 at 29.9%, and has been declining moderately ever since. In 2012, just 29.7 million were driving without insurance.

Despite the decline in uninsured motorists, however, the cost to insurers has increased 75% over the past 10 years—roughly $14 per insured individual in 2012.

And some states are more at risk than others. In these 10 states where uninsured drivers are the highest in numbers, producers have the opportunity either to sell more new policies to those going uninsured or to protect current clients by making sure uninsured motorist coverage is in place.

To calculate these numbers, the IRC compared the number of claims filed under the injury portion of uninsured motorist coverage with the number of claims filed under the bodily injury liability coverage. The percentages reflect the ratio of uninsured motorist claims frequency to bodily injury claims frequency.

The top 10 states include:

1. Oklahoma: 25.9%
2. Florida: 23.8%
3. Mississippi: 22.9%
4. New Mexico: 21.6%
5. Michigan: 21.0%
6. Tennessee: 20.1%
7. Alabama: 19.6%
8. Rhode Island: 17.0%
9. Colorado: 16.2%
10. Washington: 16.1%

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  • Delia 8/18/2014 6:04:46 PM
    This sounds like a typical theme "steal from the rich to give to the poor". When will our country ever learn?
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  • mike whalen 9/3/2014 12:11:20 PM
    Ihave been selling insurance for 41 years-the numbers of uninsured motorists does not surprise me. Here in Vermont ,due toa very quirky law regarding um property damage claims, i would say um claims are right behind windsheild claims for volume. I takeissue with the comment from Delia on 08/18/2014--most of the um claims are paid to relatively affluent cuastomers-I think Delia does not understand the UM coverage.
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  • ware 10/8/2014 11:32:49 AM
    Mike - I agree and don't think Delia has any idea what UM/UIM coverage provides... Not to mention her comment lacks any sensible meaning all together. I tried to make myself understand what/where she was coming from but I could not....
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