Research

This report provides countrywide and state estimates for the prevalence of uninsured and underinsured driving, as well as an examination of several factors that are associated with variations in uninsured motorists (UM) and underinsured motorists (UIM) rates across states, including economic fact

In this report, the IRC expands the line of uninsured motorists research and provides estimates for the rate of underinsured motorists (UIM), countrywide and in every state.

Uninsured motorists (UM) are drivers who operate motor vehicles without having liability insurance coverage to compensate others for injuries or physical damage resulting from auto accidents in which they were at fault, despite near-universal legal requirements.

This study examines trends in the percentage of uninsured motorists in each state based on uninsured motorists and bodily injury claim frequencies from 2015 through 2019.

This study examines trends in the percentage of uninsured motorists by state and countrywide. This edition of the report updates trends with new data for the period 2013-2015.

This study examines trends in the percentage of uninsured motorists by state utilizing uninsured motorists and bodily injury claim frequencies from 2010-2012.