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Uninsured Motorist Coverage Explained

Uninsured Motorist Coverage pays for your medical bills and vehicle damage when you're hit by a driver with no insurance or who flees the scene. For post-SR22 drivers, this coverage typically adds $5-15/mo but can save you thousands if the at-fault driver has no ability to pay—a scenario you're statistically more likely to encounter than drivers with clean records.

Updated April 2026

What Is Uninsured Motorist Coverage Insurance?

How Much Does Uninsured Motorist Coverage Insurance Cost?

  • Your coverage limits directly affect cost—$25,000 UMBI costs significantly less than $100,000 or $250,000 limits, with each doubling of coverage adding approximately $3-6/mo.
  • The percentage of uninsured drivers in your state impacts pricing—states like Florida and New Mexico with 20%+ uninsured rates charge 30-50% more than states with robust enforcement.
  • Your violation history matters: DUI or multiple at-fault accidents in the past 3-5 years can increase uninsured motorist premiums by 15-25% even after SR-22 filing ends.
  • Stacking options (combining limits across multiple vehicles) can increase costs by 40-60% but provide substantially higher protection if you own multiple cars.
  • Whether UMBI and UMPD are bundled or sold separately affects total cost—states requiring both as a package sometimes offer better combined rates than purchasing each individually.
  • Your deductible on UMPD (in states where it applies) works like collision—choosing a $1,000 deductible over $250 typically saves $4-8/mo.

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Who Needs Uninsured Motorist Coverage Insurance?

Related Coverage Types

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