Uninsured Drivers: The Top 10 States Putting You at Risk
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When it comes to auto insurance, most drivers assume that everyone on the road is covered. Unfortunately, that’s far from reality. According to the Insurance Information Institute and Kemper Auto, millions of Americans drive without insurance — and the numbers are staggering.
If you live in one of the following states, you’re more likely to encounter an uninsured driver:
📊 Top 10 States with the Highest Percentage of Uninsured Motorists
Source: Insurance Information Institute (2025), Kemper Auto
🛡️ Why This Matters for You
If you're hit by an uninsured driver, you could be left with thousands in damages and medical bills — unless you have the right coverage. That’s where Uninsured Motorist (UM) protection comes in. It’s designed to cover you when the other driver can’t.
As an insurance agent, I’ve seen firsthand how UM coverage can make the difference between financial hardship and peace of mind. Whether you're in Florida or any of the other high-risk states, now is the time to review your policy.
✅ What You Can Do Today
Check your auto policy for Uninsured/Underinsured Motorist coverage
Talk to your agent (or reach out to me) to understand your options
Educate others — share this post with friends and family who may be at risk
If you have questions about your coverage or want a free policy review, We’re here to help. Let’s make sure you’re protected — no matter who’s on the road.
