TransUnion survey: 30% of Gen Z drivers operate without insurance

A survey published by TransUnion reveals that approximately 30% of Generation Z drivers in the United States admitted to owning or driving an uninsured vehicle within the last six months.

While affordability is a significant factor, research suggests that many young drivers are making active choices regarding their coverage. Among those surveyed who were uninsured, 28% stated they simply chose not to renew their policies, while 26% cited an inability to pay. Other reasons included forgetting to pay on time (22%) and being dropped by insurers (20%).

Economic pressures, including rising gasoline prices and general cost-of-living increases, contribute to the trend. Additionally, data from LexisNexis indicates a record high in consumer activity, with over 47% of car insurance policies being “shopped” at least once between 2024 and 2025, suggesting a greater willingness among subscribers to seek better pricing or different providers.