Uninsured Motorist Coverage Calculator
Find out how much uninsured motorist (UM) coverage you need based on your state's uninsured driver rate and your total assets.
Why Uninsured Motorist Coverage Matters
About 1 in 8 U.S. drivers is uninsured. If one hits you, their liability policy won't pay your bills — yours will. UM coverage steps in to pay your medical bills, lost wages, and pain and suffering when the at-fault driver has no insurance.
- Under $100,000 assets → 25/50 UM limits
- $100,000–$300,000 assets → 100/300 UM limits
- Over $300,000 assets → 250/500 UM limits
In high-uninsured states like Florida (26%) and Texas (20%), the risk of encountering an uninsured driver is significantly higher, making robust UM coverage even more critical.
Frequently Asked Questions
What is uninsured motorist coverage?
UM coverage pays for your injuries and damages when you're hit by a driver who has no auto insurance. Underinsured motorist (UIM) coverage works similarly when the at-fault driver's limits are too low to cover your losses.
Is UM coverage required in my state?
UM coverage is mandatory in about 20 states and optional (but highly recommended) in the rest. Even in states where it's optional, the cost is typically only $50–$150/year — exceptional value given the risk.
Does UM coverage protect my passengers?
Yes — UM bodily injury coverage typically extends to all passengers in your vehicle at the time of the accident, not just the policyholder.
Can I stack UM coverage across multiple vehicles?
In states that allow stacking, you can combine UM limits from multiple vehicles on the same policy, effectively multiplying your protection. For example, two vehicles with 100/300 limits become 200/600 when stacked.
Why does Florida have such a high uninsured rate?
Florida historically has had one of the highest uninsured rates due to its no-fault insurance system, high minimum coverage requirements that some drivers can't afford, and a large transient population. This makes UM coverage especially important for Florida drivers.
Disclaimer: Results are estimates only. UM requirements and rates vary by state. Consult a licensed insurance professional for coverage recommendations specific to your situation.