[BBell]

You are correct. I moved down here 14 years ago and we have USAA. Having lived in northern Virgina I fully expected my insurgence to drop when we moved down here. Not so. It rose dramatically.

We were told it was so high because of the high instances of insurance fraud and the large number of uninsured drivers. I know people who use relatives addresses in Mississippi so they don't have to pay as much.

[BBell]

And the high rate of car thefts.

[Robert DeLong]

Notice who is top on the list:

How many drivers don’t have auto insurance?

Mississippi: 28%
New Mexico: 26%
Tennessee, Oklahoma, and Florida: 24%
Alabama: 22%
Michigan: 19%
Kentucky and Rhode Island: 18%
Indiana, Washington, Arkansas, Ohio, and Georgia: 16%
Washington D.C., Colorado, California, Maryland, Texas, and Wisconsin: 15%
Missouri and North Carolina: 14%
Nevada, Minnesota, Alaska, and Louisiana: 13%
Arizona: 12%
Iowa, Montana, Hawaii, New Jersey, New Hampshire, West Virginia, Virginia, Delaware, and South Carolina: 11%
Wyoming, Oregon, Kansas, and Connecticut: 10%
North Dakota and South Dakota: 9%
Utah, Idaho, and Nebraska: 8%
Vermont and Pennsylvania: 7%
New York: 5%
Maine and Massachusetts: 4%

SOURCE

We all know that these numbers are probably not accurate, because they get insurance, and then they stop paying and when you contact their insurance contacts you find they no longer have insurance. They are still driving though.

[Robert DeLong]

I was a couple of years behind you. I worked in No Va., but lived in King George County NE of Fredericksburg.