1 in 4 Drivers Uninsured, How Does this Affect Your Premiums

June 6th, 2011
Rising Insurance Cost

Across the United States, the rate of insured drivers continues to decrease while the rate of unemployment increases. One in seven drivers on average are uninsured within the United States, with some states having as many as one in four drivers uninsured.

In 2009, the percentage of uninsured motorist stood at 13.8 percent, while continuing to rise for following years to 16.1 percent in 2010, according to the Insurance Research Council. Almost a third of New Mexico’s population, 29 percent, are considered to be uninsured, along with Mississippi (28 percent) and Alabama (26 percent).

With the rates of uninsured motorist going up, insurance providers are increasing their premiums to manage the risks of those uninsured. Although, you may be covered by an insurance provider, if you are involved in an accident with someone without insurance, you or your provider may be forced to cover the damage to your vehicle and health. Although, the accident may have been caused by an uninsured driver, your insurance premiums may go up to cover the costs of the accident. Insurance providers working within the states with a high percentage of uninsured drivers are increasing annual premiums to cover the risk and cost of those uninsured motorist. If you are concerned for the safety of yourself and your property, you do have the option to add a uninsured motorist insurance policy to your plan with the cheapest quote being added for 25/50 at $60 a year, while the most expensive is $148 a year. To compare the cost of adding uninsured motorist insurance to your policy visit www.autocricket.com for comparative pricing.

Despite laws in many states requiring drivers to maintain insurance, roughly one in seven drivers are uninsured. This forces the responsibility of injuries caused by drivers who carry no insurance to those responsible drivers.

Protect your health and property with automotive insurance. The fines and out of pocket expense for operating a vehicle without insurance often are far more expensive then purchasing a yearly annual insurance policy.


AutoCricket.com is a diverse online resource available for searching for insurance rates, a new vehicle or automotive related information. With its secure and easy to use form, you can quickly compare top-rated insurance carriers and local dealerships prices in minutes. To see how much you could be saving visit www.autocricket.com.

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