One in Three U.S. Drivers Are Either Uninsured or Underinsured, Exposing Themselves and Other Drivers to Significant Financial Risk, New IRC Study Shows

driving on highway road, closeup hands of car driver on steering wheel, road trip at sunset

One in three U.S. drivers (33.4%) were either uninsured or underinsured in 2023, a 10-percentage point increase in the combined rate since 2017, according to a new report, Uninsured and Underinsured Motorists: 2017–2023, produced by the Insurance Research Council (IRC), affiliated with The Institutes.