Which state has highest uninsured rate?
Asked by: Prof. Jerad Krajcik | Last update: September 29, 2025Score: 4.2/5 (73 votes)
Why is Texas the most uninsured state?
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 do most uninsured people live?
Most of the 25.3 million people ages 0-64 who are uninsured are adults, in working low-income families, and are people of color. Reflecting geographic variation in income and the availability of public coverage, most uninsured people live in the South or West.
Which state has the most uninsured motorists?
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%).
Which state has the highest uninsured rate?
Texas is home to the country's largest share of Americans under 65 without health insurance, according to new Census Bureau data, with 18.8% of residents uninsured as of 2022.
Lone Star State has highest uninsured rate in the nation for the second year in a row
What state has the worst insurance rates?
Oklahoma, Kansas, Nebraska, Florida, and Colorado are the most expensive states for homeowners insurance. Oklahoma has the highest average cost of homeowners insurance in the U.S. at $5,858 per year.
What state has no car insurance?
Which states do not have mandatory car insurance? New Hampshire and Virginia are the only two states that don't require car insurance. In Virginia, drivers can pay the state a fee of $500 instead of buying car insurance, but that leaves them on the hook for damage they cause in an accident.
Why does Florida have so many uninsured drivers?
This might be because car insurance in Florida is among the most expensive in the country, up to an average monthly cost of $115 for minimum-liability coverage and $270 for full coverage. The national average for minimum coverage is $52 per month or $627 per year—much lower than Florida's annual average of $1,385.
Where are the most uninsured drivers?
- Mississippi: 22.2%
- Tennessee: 20.9%
- Michigan: 19.6%
- Kentucky: 18.7%
- Delaware: 18.1%
- Georgia: 18.1%
- Colorado: 17.5%
- Ohio: 17.1%
What race is the most uninsured?
Uninsured rates are higher among Latino, American Indian and Alaska Native (AIAN), Black, and Native Hawaiian and Pacific Islander (NHPI) people than among Asian, white, and multiracial people.
What happens in America if you can't afford healthcare?
Americans are no longer taxed for not carrying health insurance. Medical debt contributes to a large number of bankruptcies in America. Access to quality primary care is critical, but doctors have the right to refuse patients without insurance or who are able to pay out-of-pocket expenses.
Which age group is most uninsured?
Young Adults (Ages 18 Through 24 Years)
Almost three out of every ten young adults do not have health insurance. Members of this age group are nearly twice as likely to be uninsured compared to members of the general population under age 65.
Which state does not require health insurance?
New Jersey, California, Rhode Island, Massachusetts, and the District of Columbia require their residents to have health insurance coverage or face penalties. Vermont recommends that residents have coverage, but there's no noncompliance penalty.
Why is Texas ranked so low in healthcare?
Texas ranked low because it has: A high percentage of uninsured people. Expensive mental health treatment services.
Is it illegal to be uninsured in Texas?
Yes, it is illegal to drive without car insurance in Texas. Texas laws require drivers to demonstrate financial proof to compensate for the losses they cause in an accident.
Can you legally drive in Florida without insurance?
Your insurance company may be able to provide you with legal assistance or other support in the event of an accident. In conclusion, it is illegal to drive without insurance in Florida.
Why is insurance so bad in Florida?
Three primary factors are driving the insurance challenge. First, natural disasters are becoming more common and costly. Second, the price of reinsurance is skyrocketing. And finally, Florida's litigation-friendly environment compounds the issue by making it easy for customers to sue their insurers.
What percentage of Americans drive without insurance?
As of 2022, the last time the Insurance Research Council collected national data, an estimated 14 percent of drivers in the U.S. lack car insurance. That means over 32 million licensed drivers do not have any financial liability protection when driving, an average of 658,241drivers per state. Washington, D.C.
What state has no fault lines?
The few states with none or hardly any (ND, SD, NE, KS, OH, WV, DE, FL) are almost entirely covered with sedimentary rocks that have not been faulted since the rocks were deposited. The faults in CA, NV and the coasts of OR and WA are potentially active.
Can the color of your car affect your insurance premium?
Does car color affect insurance rates? The color of your car doesn't affect your insurance rate. Instead, your insurance company uses other information, like your car's age, location, usage, and your driving record, to help determine insurance rates.
What state does not require a car inspection?
What States Do Not Require Vehicle Inspections? There are only 13 states that have no safety, emissions, or VIN inspections required by law. These states include Alaska, Arkansas, Iowa, Michigan, Minnesota, Mississippi, Montana, North Dakota, South Carolina, South Dakota, Florida, Washington, and Wyoming.
What are the 5 most uninsured states?
(Figure 1). Five states with uninsured rates of 12% or more (Florida, Georgia, Oklahoma, Texas and Wyoming) had not expanded Medicaid eligibility. Between 2019 and 2021, the share of uninsured people fell 0.5 percentage points.
What state has the lowest cost of living?
Who typically has the cheapest car insurance?
Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.