Mississippi These states had the highest rates of uninsured drivers on the road: Mississippi: 29.4% Michigan: 25.5% Tennessee: 23.7% … Uninsured Motorist Rates by State. State Uninsured motorist rates by state Florida 20.4% Alabama 19.5% Arkansas 19.3% District of Columbia 19.1% 47 more rows • May 13, 2021