Updated April 2026
What Is Uninsured Motorist Coverage Insurance?
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your state's uninsured driver rate directly impacts cost—states with 20%+ uninsured motorists charge significantly more than states under 10%.
- Coverage limits you select: choosing UMBI limits matching your liability limits (recommended) costs more than minimum required limits.
- Whether you add Underinsured Motorist Coverage, which typically increases the premium by 15-30% over uninsured-only coverage.
- Your recent violation affects the base rate calculation, though UM coverage itself typically increases proportionally less than liability after a violation.
- Whether you waive UMPD in favor of collision coverage, which some insurers allow to avoid duplicate coverage and reduce costs.
- Your ZIP code's hit-and-run frequency and litigation environment, which can double UM costs in high-risk urban areas versus rural counties.
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