★ QUICK ANSWER — California has an uninsured driver rate of 20.4%, ranking 8th highest in the nation according to the Insurance Research Council’s 2025 report on 2023 data. Nationally, 1 in 3 drivers (33.4%) is either uninsured or underinsured. If you are injured by an uninsured or underinsured driver in California, your own UM/UIM…
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