The short answer is that we're not sure. Our office regulates insurers, agents and brokers, but not the consumers who actually buy the coverage.
But the Pennsylvania-based Insurance Research Council did an estimate, based on data collected from nine major auto insurers representing about half the private passenger auto market in the United States.
(Editor's note (2/7/2012): This post continues to get high hits, but you can find updated numbers here. Now back to the original post...)
The states with the highest percentages, the IRC estimates, are in the South. The lowest states are about evenly split between the Midwest, intermountain West and the Northeast.
The most recent report uses 2007 data. Washington came in fairly high, with an estimated
Here is the IRC's breakdown of states, by percentage of uninsured drivers:
Alabama = 26%
Alaska = 13%
Arizona = 18%
Arkansas = 15%
California = 18%
Colorado = 15%
Connecticut = 9%
D.C. = 15%
Delaware = 10%
Florida = 23%
Georgia = 12%
Hawaii = 12%
Idaho = 9%
Illinois = 15%
Indiana = 14%
Iowa = 12%
Kansas = 10%
Kentucky = 16%
Louisiana = 12%
Maine = 4%
Maryland = 12%
Massachusetts = 1%
Michigan = 17%
Minnesota = 12%
Mississippi = 28%
Missouri = 14%
Montana = 15%
Nebraska = 8%
Nevada = 15%
New Hampshire = 11%
New Jersey = 8%
New Mexico = 29%
New York = 5%
North Carolina = 12%
North Dakota = 5%
Ohio = 16%
Oklahoma = 24%
Oregon = 11%
Pennsylvania = 7%
Rhode Island = 14%
South Carolina = 9%
South Dakota = 7%
Tennessee = 20%
Texas = 15%
Utah = 8%
Vermont = 6%
Virginia = 9%
Washington = 16%
West Virginia = 8%
Wisconsin = 15%
Wyoming = 9%
Note: This post was updated to correct Washington's percentage.
