The Insurance Research Council released a study that looks at just how many of us are uninsured. Just because you are a careful driver, one of these could hit you, and where would you be then?

According to data for the period of 1995 to 1997, the five states with the highest uninsured driver estimates were Colorado (32%), New Mexico (30%), South Carolina (28%), Alabama (25%), and Mississippi (25%). (Colorado’s estimate is high relative to other states, however, because bodily injury claims are subject to a $2,500 monetary threshold and uninsured motorist claims are not.

In other states, the thresholds are the same.) The five states with the lowest uninsured driver estimates were Maine (4%), North Carolina (6%), South Dakota (6%), Massachusetts (7%), and Wyoming (7%).
The study was based on the most recent state statistics on uninsured motorist and bodily injury claims.

Percentage of Uninsured Motorists State by State

Source: Insurance Research Council, based on data from 1995-1997.