Updated April 2026
What Is Uninsured Motorist Coverage Insurance?
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your state's uninsured driver rate—states like Florida, Mississippi, and New Mexico with 20%+ uninsured rates often see higher UM premiums due to elevated risk.
- Coverage limits you select—choosing $100,000/$300,000 UMBI costs more than minimum 25/50 limits, but the incremental cost is typically modest compared to liability increases.
- Whether you add Underinsured Motorist Coverage—bundling UIM with UM usually adds $3–$10/month depending on limits.
- Your driving record and location—drivers with DUI convictions or accidents may pay 15–40% more for UM coverage since insurers view them as higher risk for all claim types.
- Whether your state mandates UM coverage—required coverage states often have standardized pricing that's lower than optional-coverage states where only higher-risk drivers purchase it.
- Stacking options—some states allow you to stack UM limits across multiple vehicles on your policy, which can double or triple your protection but increases premiums by 30–60%.
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