Florida Is The Worst State In The Country With Regard The Financial Risk Of Driving, Study Finds

What’s the worst place in the country to drive? Probably Florida, for a lot of reasons. And thanks to a new study from Wallethub, we have yet another one — Florida is ranked last out of all 50 states when it comes to the “financial risk of driving.”

Which is to say, amongst other things, that people in Florida tend to not have car insurance (and often don’t have driver’s licenses either, for that matter). What that means is that, when the drugged up or drunk guy in the car next to you feels like turning right without looking and smashes up your car, there’s no insurance covering his horrible driving, so you may very well be completely screwed.


To be more specific here — the new study found that 23.8% of all drivers in Florida are either driving around without any insurance, or with barely any. For a comparison here — the least risky state according to the new study is Maine, where only 4.7% of drivers are without insurance. (Maybe that’s something to do with the threat of moose?)

Here’s a bit more coverage from a local Florida paper:

Thanks to a study by finance website WalletHub, we have some empirical data showing that, owing mainly to uninsured and underinsured drivers in Florida — mixed with the fact that most of them drive like complete assholes — getting out on the road is not only a risk to our health but also to our bank account.

WalletHub analyzed all minimum coverage requirements for mandatory forms of insurance in all of the states and then looked at the percentages of uninsured motorists. Then, it blended all that information into an algorithm showing that Florida is terrible for drivers.

I guess that none of this really matters that much, though. After all, the aquifer that supplies most of South Florida is going to be ruined by rising sea levels in only a few decades. How much money do you figure is going to get pumped into the region via mitigation efforts before it’s finally abandoned to the waves?

James Ayre

's background is predominantly in geopolitics and history, but he has an obsessive interest in pretty much everything. After an early life spent in the Imperial Free City of Dortmund, James followed the river Ruhr to Cofbuokheim, where he attended the University of Astnide. And where he also briefly considered entering the coal mining business. He currently writes for a living, on a broad variety of subjects, ranging from science, to politics, to military history, to renewable energy. You can follow his work on Google+.