Around One-Third of Gen Z Drivers Report Driving Without Insurance, Survey Shows

TransUnion released a survey on Tuesday revealing that approximately 30% of Generation Z respondents have owned or operated a vehicle without insurance in the last half-year. Respondents gave a mix of explanations: 28% said they simply opted not to renew their policy, 26% could not afford it, 22% missed a payment deadline, 20% were dropped by their insurer, and 4% cited other reasons. The study notes that rising living costs, including a national average gasoline price of about $4.07 per gallon—up $0.92 from a year earlier—are influencing these choices.

Patrick Foy, senior director of strategic planning at TransUnion, emphasized that while affordability is a factor, many drivers are actively choosing to discontinue coverage. LexisNexis data shows that over 47% of auto policies were shopped for at least once between 2024 and 2025, indicating heightened price sensitivity. Forbes Advisor reported that the median premium for drivers who switched insurers was $267 per month, with 18-year-old drivers facing median costs near $565. One outlet News Foundation’s request for comment to TransUnion went unanswered.