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Indiana Among States With Most Uninsured Drivers

car crash

Photo: Rian Castillo

Uninsured motorists end up costing insured motorists more in premiums.

Indiana is among states with the highest percentages of uninsured drivers. That‘s according to a new report by the Insurance Research Council. The report shows the number of uninsured drivers across the United States has risen along with the recession. According to the report, 16% of Hoosier drivers don‘t have insurance. Research Director Patrick Schmid said insurance enforcement varies from state to state. Schmid also said during the recession, many who‘ve lost their jobs simply cannot afford insurance or choose not to pay for it.

“There seems to be a correlation between a rise in the unemp0loyment rate and a rise in uninsured motorists,” said Schmid. “Unfortunately people make the decision, if they are out of work sometimes, to cut out automobile insurance.”

Schmid said uninsured motorists end up costing insured motorists more in premiums. The report shows the states with the highest number of uninsured drivers are Mississippi (28%), New Mexico (26%), Tennessee (24%), Oklahoma (24%), and Florida (24%). States with the lowest percentages include Massachusetts, Maine and New york which hover between 4 and 5%, according to the report.

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