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Uninsured Motorist Coverage Explained

Uninsured Motorist Coverage pays for your injuries and vehicle damage when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene. After a traffic violation, this coverage becomes especially important — you're statistically more likely to be in another accident, and an uninsured driver could leave you paying for injuries and repairs out of pocket.

Updated April 2026

What Is Uninsured Motorist Coverage Insurance?

How Much Does Uninsured Motorist Coverage Insurance Cost?

  • Your state's percentage of uninsured drivers — states like Florida and Mississippi with 20%+ uninsured rates see higher premiums than states with 5% rates.
  • Coverage limits you select — increasing from $25,000 to $100,000 in UMBI coverage typically adds $5–$10 per month.
  • Whether you stack coverage across multiple vehicles on your policy — stacking increases your available limits but can double the premium.
  • Your driving record and violation history — a recent DUI or reckless driving charge can increase uninsured motorist premiums by 15–30%, though not as dramatically as liability coverage.
  • Whether you bundle UMBI and UMPD together or purchase separately — bundled policies often save 10–15% compared to standalone coverage.
  • The deductible you choose for UMPD — selecting a $500 deductible versus $250 can reduce your monthly cost by $3–$5.

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Who Needs Uninsured Motorist Coverage Insurance?

Related Coverage Types

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