What state has the lowest percentage of uninsured drivers?

Is there a state that has a low percentage of uninsured drivers? How does that compare with the national average?

Answer
“On average, 13% of the population in the United States is uninsured. In comparison, New Jersey has some of the lowest rates of uninsured drivers. About 3% of New Jersey’s population is uninsured.
Compared to other states, New Jersey has fairly extensive minimum coverage car insurance requirements. They enforce fines and suspensions when you are uninsured and also require insurance companies to report when you’ve cancelled or lost your insurance coverage.
These regulations are likely why they have lower rates of uninsured drivers compared to the rest of the US.
Even so, it’s important to stay properly insured. If you live in New Jersey or another state with low uninsured rates, you still should consider adding uninsured motorist coverage to protect yourself.
It’s better to be over insured in an accident than underinsured.”
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Emily Maracle
Answered on Jul 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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