New Study Finds That 20% Of U.S. Drivers Do Not Have Auto Insurance

A new study directed by the Insurance Research Council (IRC) and co-sponsored by the Hanover Insurance Group, came to some rather disturbing conclusions regarding the number of drivers on the road without any form of auto insurance. In short, there are more drivers on the road without car insurance than one would think.

According to the study, nearly one in eight U.S. drivers are on the road without car insurance. Not only does that put those drivers at risk, but it puts all the drivers around them at risk too. Think about it, if you get in an accident with someone who does not have the money to pay for damages out of pocket, and does not have car insurance, than you will end up having to foot the cost for damages yourself, even if you are not at fault in the crash. Having drivers on the road without car insurance is bad for everyone.

This new study found that 13% of all U.S. drivers were uninsured in 2015. To put that number in perspective, only 12.3% of U.S. motorists were uninsured in 2010. To be fair, those 2015 numbers are not the worst this metric has ever been. Since the industry has started measuring uninsured drivers the highest came in 2014 when 14.9% of drivers on the road in the U.S. were uninsured.

While it is not a federal law, 49 of the 50 states have a law that makes it illegal to drive without car insurance. Despite that, a surprising number of people are on the roads without insurance!

Why are so many people choosing to drive without insurance? For many, it’s because they think a proper auto-insurance policy is just too expensive. However, if you find the right insurer, they will work with you to find the policy that fits your needs, and your budget!

If you don’t have an auto-insurance policy, or are interested in getting a new one, take the time to reach out to the folks at TGS Insurance. They are experts in car insurance and are always happy to work with you to find the policy that’s right for you. Visit to learn more.


About Katie Rosario

Katie has been in the marketing industry for over 10 years and has a strong passion for writing great content. She has been writing for TGS Insurance for three years and strives to make every piece of content she works on informative and easy to read. In her spare time, she enjoys baking and spending time with her family.