How many uninsured drivers are in Texas?
Asked by: Selena Schinner | Last update: February 21, 2025Score: 4.2/5 (49 votes)
How many people drive without insurance in Texas?
Texas is one of the most expensive states for car insurance. An estimated 12 – 20 percent of Texas drivers are uninsured.
What state has the highest number of uninsured drivers?
Mississippi has the highest uninsured motorist population
Mississippi had the highest uninsured motorist population in 2019 at 29.4%, followed by Michigan (25.5%), Tennessee (23.7%), New Mexico (21.8%), and Washington state (21.7%).
What is the uninsured driver rate in Texas?
With approximately 20% of drivers in Texas with no insurance, there is a significant risk to being hit by one of them. If you are hit by an uninsured driver, a basic liability insurance policy won't cover the accident.
How many unlicensed drivers are there in Texas?
The idea was sound, but it has led to even worse problems including the 1.3 million Texas drivers without a legitimate driver's license. Now Texas state legislators are trying to figure out how to collect these late surcharges and how to get these unlicensed drivers off the roads.
Texas Uninsured Motorists
What percentage of people drive without a license?
About 9% of adult Americans don't have a valid driver's license but it's a guess how many of that group actually drive without a license. The age groups with the highest percentage without a driver's license are 19 years old and under (60.5%), 85 and older (30.9%) and 20 to 24 (19.0%).
What percentage of Texans have car insurance?
Currently, an estimated 20 percent of Texas drivers are uninsured. The automated database is a joint project of Texas' departments of motor vehicles, insurance, public safety and information resources, and quickly identifies vehicle owners without mandatory insurance coverage.
Can you sue an uninsured driver in Texas?
You can file a lawsuit against an uninsured driver in Texas if you've been involved in an accident and sustained damages as a result of their negligence.
Why are there so many uninsured people in Texas?
Another factor that increases the likelihood of being uninsured is the level of educational attainment. Texas has lower rates of high school and college graduates than the national average (Murdoch, 2003). There is a strong correlation between education and income as well as between income and insurance.
Where does Texas rank on the number of uninsured citizens?
Texas 2022 Data: Highest Uninsured Rates in the Country for Children and Adults. 4.9 million Texans (all ages) were uninsured in 2022, which is 17% of all Texans. Texas is the state with both the largest number and percentage of uninsured residents in the United States.
Which states is it illegal to drive without insurance?
- Alaska.
- Wyoming.
- Arizona.
- Wisconsin.
- California.
- West Virginia.
- Colorado.
- Virginia.
What are the 5 most uninsured states?
By the numbers: After Texas, Oklahoma (14.3%), Wyoming (14.1%) and Florida (13.9%) have the highest share of uninsured residents among U.S. states and Washington, D.C. Massachusetts (2.9%), Washington, D.C. (3.1%) and Hawai'i (4.3%) have the lowest.
Is driving without insurance a crime in Texas?
A person commits an offense if the person operates a motor vehicle without an automobile liability insurance policy or other evidence of financial responsibility. This offense is a misdemeanor punishable by a fine of not less than $175.00 or more than $350.00.
Can your car get towed for no insurance in Texas?
Under this ordinance drivers stopped for a traffic violation who cannot show proof of financial responsibility (insurance) meeting state requirements will be issued a citation and will have their vehicle towed at the owner's expense.
What percentage of drivers never have an accident?
Only 32% of Americans have never been in a car accident, meaning that more than two-thirds of drivers have been in a car accident at least once.
How many Texas drivers are uninsured?
Research indicates that about 13 to 17 percent of Texas drivers don't carry any insurance. The uninsured part of the question isn't difficult.
Why are there so many uninsured drivers?
Reason 1: They Can't Afford it
Putting aside a situation where you get into an accident and have to pay out of pocket for repairs and medical bills (yours or others involved), driving uninsured also carries steep fines and a loss of your license. You also may be surprised by how affordable car insurance can be.
How many people go without insurance?
The Share of Americans Without Health Insurance in 2023 Remained Low. In 2023, 26 million people — or 8 percent of the population — were uninsured, according to a report in September 2024 from the Census Bureau.
Is it worth suing an uninsured driver?
Suing the uninsured driver might not be worth it unless they are financially capable of satisfying a judgment. After a crash with an uninsured or underinsured driver, contact a car accident lawyer about your legal options.
Do insurance companies go after uninsured drivers?
If the at-fault party is uninsured, the insurer may pursue subrogation against the driver personally.
What happens if you get hit by an uninsured driver in Texas?
In general, you have three options for recovering funds to pay your medical bills, cover lost wages, and get your vehicle repaired. You can: Rely on your health insurance and pay the rest of your costs out of pocket. File a claim based on your uninsured motorist coverage.
Why is car insurance going up so much in Texas?
Increases in the number and severity of storms and weather events. Increases in the number of cars on the road and accidents. Increases in the costs to repair new cars due to their advanced technology. Increases in the costs of labor, materials, and other goods and services.
Who insures the most cars in the US?
State Farm is the largest auto insurance company in the U.S. based on written premium, or the total amount it bills customers. Progressive is the second-largest car insurance company, followed by Geico and Allstate.