The 10 States With the Best Accident Coverage

Source: Thinkstock

Source: Thinkstock

If you’re in a car accident, depending on the state, you might not have to be up all night worrying about coverage. Even if the driver who hits you is uninsured, it’s likely you can rest easy when it comes to coverage for damages.

Roughly 12.6% of drivers (about 1 in 8) do not have auto insurance, according to the Insurance Research Council. Massachusetts has the lowest number, with just 3% of uninsured motorists.

A recent WalletHub study analyzes the states that have the least and most risky outcomes for your wallet. Most of the states described as safe have higher minimum liability insurance requirements and a lower number of uninsured drivers. Many of those states require additional insurance such as medical payments coverage and personal injury protection.

As you read through this report, you will see three numbers listed next to the minimum liability insurance requirements. For example, for Maine you’ll see 50/100/25. The first number represents (in thousands of dollars) minimum bodily coverage per person, the second number represents bodily injury coverage per accident, and the third number represents the required amount of property damage coverage per accident.

Last week, we took a look at the riskiest states for drivers’ wallets. This week, we’ll go over some of the safest.  Here are 10 of the safest states for your wallet, based on insurance requirements and number of uninsured drivers, according to WalletHub.

10. Alaska

Source: Thinkstock

Source: Thinkstock

  • Minimum liability insurance requirements: 50/100/25
  • Other types of insurance required: None
  • Uninsured drivers: 13.2%

 9. South Carolina

Source: iStock

Source: iStock

  • Minimum liability insurance requirements: 25/50/25
  • Other types of insurance required: Uninsured Motorist Coverage for Bodily Injuries, Uninsured Motorist Coverage for Property Damage
  • Uninsured drivers: 7.7%

8. Oregon

Mirror Pond, Bend, Oregon

Source: iStock

  • Minimum liability insurance requirements: 25/50/20
  • Other types of insurance required: Personal Injury Protection, Uninsured Motorist Coverage for Bodily Injuries
  • Uninsured drivers: 9%

7. Massachusetts

source: http://www.flickr.com/photos/_jessica/

Source: http://www.flickr.com/photos/_jessica/

  • Minimum liability insurance requirements: 20/40/5
  • Other types of insurance required: Personal Injury Protection
  • Uninsured drivers: 3.9%

6. Utah

Capitol Reef Park, Utah

Source: iStock

  • Minimum liability insurance requirements: 25/65/15
  • Other types of insurance required: Personal Injury Protection
  • Uninsured drivers: 5.8%

 5. New Hampshire

Source: iStock

Source: iStock

  • Minimum liability insurance requirements: 25/50/25
  • Other types of insurance required: Medical Payments Coverage, Uninsured Motorist Coverage for Bodily Injuries
  • Uninsured drivers: 9.3%

4. Maryland

Source: iStock

Source: iStock

  • Minimum liability insurance requirements: 30/16/15
  • Other types of insurance required: Personal Injury Protection, Uninsured Motorist Coverage for Bodily Injuries, Uninsured Motorist Coverage for Property Damage
  • Uninsured drivers: 12.2%

3. New York

Source: Thinkstock

Source: Thinkstock

  • Minimum liability insurance requirements: 25/50/10
  • Other types of insurance required: Personal Injury Protection, Uninsured Motorist Coverage for Bodily Injuries
  • Uninsured drivers: 5.3%

 2. North Dakota

Source: Andrew Burton/Getty Images

Source: Andrew Burton/Getty Images

  • Minimum liability insurance requirements: 25/50/25
  • Other types of insurance required: Personal Injury Protection, Uninsured Motorist Coverage for Bodily Injuries
  • Uninsured drivers: 5.9%

 1. Maine

Acadia National Park, Maine, fall

Source: iStock

  • Minimum liability insurance requirements: 50/100/25
  • Other types of insurance required: Medical Payments Coverage, Uninsured Motorist Coverage for Bodily Injuries
  • Uninsured drivers: 4.7%
More from The Cheat Sheet:

More Articles About: