Insurance Research Council Report: 1 in 8 Drivers Uninsured

New Report from IRC Shows 1 in 8 Drivers Uninsured

In 2019, the estimated countrywide uninsured motorist rate was 12.6%.

One in eight drivers on the road in 2019 was driving without insurance, according to a new report from the Insurance Research Council (IRC).

In 2019, the estimated countrywide uninsured motorist rate was 12.6%. Insured drivers paid, on average, approximately $78 per insured vehicle in 2016 for insurance protection against at-fault drivers who are uninsured or who have inadequate insurance to cover the medical costs and property damage incurred by others. Across the U.S., insured drivers in 2016 paid more than $13 billion for uninsured/underinsured motorist coverage.

Uninsured motorist rates varied substantially across states, ranging from 3.1% in New Jersey to 29.4% in Mississippi. Although the countrywide uninsured motorist rate increased only 1.2 percentage points from 2015-2019, several states experienced more significant increases, including Washington (6.9 percentage points), Rhode Island (6.8 percentage points) and Mississippi (6.4 percentage points). Other states experienced decreases in uninsured motorist rates, including Michigan (10.1 percentage points) and Delaware (2.9 percentage points).

“Uninsured drivers increase the cost of insurance for those who comply with their state’s insurance
requirements, and that’s not fair,” said David Corum, vice president of the IRC. “Keeping auto
insurance affordable is more difficult when a significant number of drivers refuse to carry their fair share
of the costs.”

The IRC report, Uninsured Motorists, 2021 Edition, examines data collected from 11 insurers
representing 60% of the private passenger auto insurance market in 2019.

For more information about the report, visit

You May Also Like

Guess the Car and Win $50!

Give us your answer for this month’s Guess the Car and you might win $50!

Who can't relate to achy, tired knees? Especially at our advanced age! Last month's Guess the Car featured especially creaky, exhausted knees, and the answer was a real knee knocker, har-dee-har-har! If you added Knee + Yawn, you got (Dodge) Neon!

Now, it's your chance to win $50! What MAKE of vehicle does the above picture represent? To submit your guess, click here. Good luck!

New ProColor Collision Body Shop Opens in Escondido, Calif.

ProColor Collision announced it has opened a new location in Escondido, Calif., to serve the greater San Diego area.

Wren’s Collision Group Acquires 13th Collision Repair Center

The privately owned MSO announced it has acquired Brian’s Paint & Body, a two-location MSO in the metro Atlanta market.

Focus Advisors Represents Vinart in Sale to VIVE Collision

Focus Advisors said it is seeing increasing interest by successful dealership owners to sell their body shops and enter services agreements.

AASP/NJ to Host Auto Body Laws and Regulations Seminar

One of New Jersey’s top automotive attorneys will provide an overview on how to develop a strong contract to protect your shop and customers.

Other Posts

Classic Collision Adds New Location in Home State of Georgia

Classic Collision has announced the acquisition of Wright One Paint & Body in Augusta, Ga.

Consolidator Report

Consolidation news from the week of May 29.

VIVE Collision Acquires Vinart Collision Center

VIVE Collision announced it has successfully completed the acquisition of Vinart Collision Center from the Vinart family of automobile dealerships. 

Association News

Association news from the week of May 29.