What Percentage of Drivers in Each State Carry Comprehensive Auto Insurance?

Comprehensive auto insurance provides essential protection for your vehicle, covering damages from non-collision events such as fire, vandalism and weather-related incidents like hail, floods or hurricanes. However, only 69% of drivers in the U.S. have comprehensive coverage, leaving over 100 million vehicles at risk of financial losses due to theft, floods, fires and other hazards.

To find where the majority of these vulnerable vehicles are located and the percentage of drivers in each state that have comprehensive coverage, MoneyGeek analyzed data from the National Association of Insurance Commissioners (NAIC) and the Insurance Research Council.

The five states with the highest concentration of drivers with comprehensive auto insurance coverage are all located in the Northeast: New Hampshire, Massachusetts, Vermont, Maine and Connecticut. Each state has more than 78% of vehicles covered by comprehensive coverage.

On the other hand, New Mexico and Mississippi report the lowest percentage of drivers with comprehensive insurance, with only 50% and 57% of vehicles, respectively, having this vital coverage. If the higher cost of adding comprehensive insurance is an obstacle, there are cheap full coverage car insurance providers nationwide.

Explore MoneyGeek's complete state ranking based on the percentage of drivers with comprehensive auto insurance, from the highest to the lowest. Our breakdown also includes the number of vehicles without comprehensive coverage in each state and the percentage of drivers who are entirely uninsured.

MoneyGeek analyzed data from the Federal Highway Administration to identify the percentage of drivers in each state with a comprehensive coverage auto insurance policy, focusing on the percentage of registered vehicles in each state. We then computed the total population rate of coverage by dividing total comprehensive written exposures by liability written exposures (both obtained from the National Association of Insurance Commissioners ) and multiplying the outcome by the percentage of drivers possessing some form of auto insurance (obtained from the Insurance Information Institute).