Updated April 2026
What Is Uninsured Motorist Coverage Insurance?
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your UM coverage limits — matching your liability limits (e.g., $100,000/$300,000) costs more than state minimums but provides proportional protection.
- State uninsured driver rates — states with 20%+ uninsured motorist populations like Florida, Mississippi, and New Mexico typically charge higher UM premiums due to increased claim frequency.
- Your driving record and insurance history — a DUI, multiple violations, or lapses in coverage increase UM premiums by 15–40% since insurers view you as higher risk for all claim types.
- Whether you stack coverage — stacked UM multiplies your per-vehicle limit by the number of insured vehicles, increasing protection but adding 30–60% to UM premium costs.
- UMPD deductible selection — choosing a $500 UMPD deductible versus $100 can reduce this portion of your UM premium by 20–35%.
- Urban versus rural location — densely populated metro areas with higher accident rates and uninsured driver concentrations typically see UM premiums 25–50% higher than rural counties.
See How Much You Could Save
Get personalized uninsured motorist coverage insurance quotes in minutes.