An online survey conducted by Insure.com, has shown that drivers in Louisiana, Michigan, and Oklahoma pay highest premiums for auto insurance in the country. On the flip side, Vermont had the lowest car insurance rates, according to the same survey. The findings were based on the rates paid every year by single males who are 40 years old and who commute 12 miles every day to work. This profile would generate a rate of $995 in Vermont, but was much higher in some other states. For example, the same person…
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Illinois introduces heavier penalties for uninsured motorists
Following a battle that was started by one woman in Illinois who was almost killed in an accident with an uninsured driver, the state has now introduced stricter penalties for motorists without insurance. Recent data from a survey by the Insurance Research Council has showed that 15 percent of drivers within the state don’t have insurance. The accident that started the ball rolling on the change in regulation occurred in June 2010. The woman in question was Ashley Lacey, who was in an accident with a car that didn’t have…
Read MoreA growing number of uninsured drivers are on today’s roads
Data from the Missouri Department of Revenue has shown that between July of 2010 and the same month of 2011, that state experienced over 6,000 collisions involving drivers who are not insured, and this figure continues to grow. That data is representative of a trend that is happening in many areas across the country. As is that reported by the Missouri State Highway Patrol, which showed that there were over 22,000 citations for failure to provide proof of automobile insurance – a legal requirement in the state – in 2010.…
Read MoreWhich states cost most for car insurance?
Though vehicles cost essentially the same from one state to the next, the same cannot be said for auto insurance policies. Some states have rates up to three times higher than others, even when insuring the same driver with the same vehicle for the same coverage. The following are the states with the highest price for car insurance. It is based on data from the Insurance Research Council. • Michigan is the state with the highest insurance rates in the country. For a 2011 model, the average yearly rate in…
Read MoreCan drivers use their vehicles without auto coverage?
Many drivers wonder if it’s legal to use their cars without any insurance, and the answer is that it is possible to do so in many states, as long as those drivers also have a very large amount of cash. In Ohio, as long as you carry a form of proof of financial responsibility, you are legally allowed to drive without any car insurance. To do this, you must either make a deposit of at least $30,000 with the state treasurer, or you must purchase a bond worth at least…
Read MoreData shows one in seven American drivers is uninsured, despite legal requirement
Regardless of the fact that almost every American state has an auto insurance requirement law, one in every seven drivers is still uninsured. This statistic was assembled by an industry group, which estimated that 13.8 percent of all drivers in the country do not have auto insurance. This number has risen since before the beginning of the economic downturn, as many people struggle to make ends meet and have allowed their coverage to lapse. Vice president David Corum, from the Insurance Research Council – which is an insurer-supported non-profit organization…
Read MoreOver 20 percent of drivers in Texas aren’t insured
In Texas, more than 1 in every 5 drivers does not have adequate auto insurance to comply with the laws within that state. According to a recent report by the Texas Department of Insurance, 21.6 percent of all of the drivers in the state were operating their vehicles while uninsured. Dallas County had the largest number of uninsured drivers among the most populated counties in the state, with 24.1 percent of its drivers lacking insurance. Bexar county followed closely behind with 22.9 percent of drivers being uninsured. In the entire…
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