Monitor this situation.
Unsubscribe anytime.
[SITUATION] · [QUIET] · [BUSINESS]
2 clusters · 6 sources · 6 days · First seen · Last updated
US auto insurance coverage trends
Overview
Data from the Insurance Research Council indicates a significant rise in motorists lacking adequate coverage. In 2023, one in three drivers was classified as either uninsured or underinsured, representing a 10 percentage point increase since 2017. Nearly one in five accidents involving injuries resulted in losses exceeding the at-fault driver’s insurance limits.
By 2025, reports indicated that approximately 15% of drivers in the United States—roughly one in seven—were operating vehicles without any valid auto insurance. This increase from pre-pandemic levels is attributed to escalating insurance premiums that have strained household budgets, creating an affordability crisis. Uninsured rates vary by state, with Mississippi, Tennessee, Michigan, and Florida reporting some of the highest concentrations, while Maine, New York, Utah, and Massachusetts report the lowest.
Entities
Insurance Research Council · United States · Insurance Information Institute · TheZebra.com
Timeline
-
[BUSINESS] 2 sourcesUS uninsured driver rates reach 15% amid rising premiums
About 15% of US drivers are operating without valid auto insurance as of 2025, driven largely by rising premium costs that have strained household budgets since 2019.
-
[BUSINESS] 5 sourcesUninsured and underinsured drivers on the rise
One in three drivers was uninsured or underinsured in 2023, according to the Insurance Research Council, increasing the financial risk for motorists in accidents.
Sources
abc17news.com · kion546.com · krdo.com · kvia.com · pontevedrarecorder.com · republicmonitor.com