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: Analyze Your Circumstances

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Are You Driving Uninsured?

Low-income households typically will spend a larger proportion of their income on car insurance than the earners at the national average. This means nearly 1 in 7 Americans drives without insurance.

  • What percentage of total income do you think the average American household spends on car insurance?

Households earning the national average income of $66,877 spend approximately 1.7 percent of total income on car insurance.Households in the lowest 60 percent of earners spend approximately 2 percent of total income on car insurance.Households in the lowest 20 percent of earners spend approximately 4.9 percent of total income on car insurance. These figures are based on average income, which is skewed higher due to the inclusion of the wealthiest households. The median household income — which more accurately reflects the earnings of Americans in 2014 — was $53,657.

Get Help to Get Insured

Check with your state’s department of insurance. Some states, such as California, New Jersey and Hawaii, offer car insurance affordability programs to qualified drivers.

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