Updated March 2026
What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage has two parts: Uninsured Motorist Bodily Injury (UMBI) pays for your medical bills, lost wages, and pain and suffering when an at-fault driver has no insurance or flees the scene in a hit-and-run. Uninsured Motorist Property Damage (UMPD) covers repairs to your vehicle when the at-fault driver is uninsured. Some states also offer Underinsured Motorist Coverage (UIM), which kicks in when the at-fault driver's liability limits are too low to cover your full damages. This coverage protects you and your passengers regardless of your driving record—if someone else causes the accident and can't pay, your UM coverage steps in.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your selected UM/UIM limits—higher limits (like $100,000/$300,000) cost more than minimum coverage but provide substantially better protection if you're hit by an uninsured driver.
- Your state's uninsured driver rate—states with higher percentages of uninsured motorists (like Florida, Mississippi, or New Mexico) typically charge more for UM coverage due to increased claim frequency.
- Your driving record and risk profile—drivers with DUIs, at-fault accidents, or violations often pay 20% to 40% more for UM coverage as part of their overall higher non-standard insurance rates.
- Whether you bundle UMBI and UMPD or rely on collision coverage for vehicle damage—some states require UMPD, while others let you decline it if you already carry collision.
- Stacking options in your state—some states allow you to 'stack' UM limits across multiple vehicles on your policy, doubling or tripling your available coverage but also increasing your premium by 30% to 50%.
- Your ZIP code and local claim patterns—urban areas with higher hit-and-run rates or uninsured driver concentrations often see higher UM premiums than rural areas.
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