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Is Auto Insurance Affordable?

The laws in 49 states require drivers to carry automobile liability insurance, yet millions of Americans drive without it. Why? Auto insurance is too expensive, at least for low- and moderate-income drivers. Given the other demands on their financial resources, auto insurance is a luxury they can't afford.

By Robert Detlefsen | Updated on May 01, 2014

The laws in 49 states require drivers to carry automobile liability insurance, yet millions of Americans drive without it. Why? Auto insurance is too expensive, at least for low- and moderate-income drivers. Given the other demands on their financial resources, auto insurance is a luxury they can’t afford.

“Uninsured Drivers: A Societal Dilemma in Need of a Solution,” a March 2014 report by the Consumer Federation of America (CFA), quotes an Ohio judge who recites a familiar trope: “If you have to choose between food on the table and [required auto] insurance, people are going to put food on the table…People live month to month and they just don’t have the money.”

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