Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 31, 2021

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Key Takeaways

  • Uninsured motorist (UM) car insurance provides coverage for injuries and damage from an accident caused by another person without insurance
  • You may have to pay between $50 and $75 per year for an uninsured motorist policy
  • Many states require residents to have a certain amount of uninsured motorist coverage
  • You can buy uninsured motorist (UM) car insurance from many major car insurance companies

Even though most states require their residents to purchase car insurance, many drivers don’t meet the liability requirements. If you’re in an accident caused by one of these drivers, they may not be able to pay for your injuries or property damage.

Uninsured motorist (UM) car insurance may be able to help in these situations. Read below to learn about how uninsured motorist (UM) coverage works, the best uninsured motorist (UM) car insurance companies, and more.

Enter your ZIP code into our free quote comparison tool above to find an uninsured motorist (UM) car insurance company in your area.

How much are uninsured motorist car insurance rates?

If you compare uninsured motorist coverage vs. regular liability insurance or uninsured motorist coverage vs. collision coverage, uninsured motorist (UM) car insurance rates are drastically more affordable.

However, this type of coverage is typically added to another type of insurance rather than purchased alone.

When adding it to your existing car insurance policy, you may pay around $50 to $75 per year for uninsured motorist insurance. However, these rates may be a little higher in states that have more uninsured or underinsured drivers, since your risk is higher.

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What is uninsured motorist (UM) coverage car insurance?

Uninsured motorist (UM) car insurance is a type of coverage that will reduce out-of-pocket expenses if you’re in an accident with someone who doesn’t have liability insurance or whose insurance company refuses to pay for your injuries or damage to your property.

Uninsured motorist (UM) insurance may cover your medical bills, lost wages, pain and suffering, and funeral expenses. In some states, it may also cover car damage.

Some states may also allow an uninsured motorist (UM) policy to cover damage from a hit-and-run accident.

How much uninsured motorist coverage do I need?

The amount of uninsured motorist coverage that you need will depend on your state’s requirements and your personal preference. Many states require that you have a certain amount of uninsured motorist coverage.

Uninsured Coverage Requirements by State
StateIs uninsured motorist coverage required?Requirements
AlabamaNoMust opt-out in writing
AlaskaNoMust opt-out in writing
ArizonaNoMust opt-out in writing
ArkansasNoMust opt-out in writing
CaliforniaNoMust opt-out in writing
ColoradoNoMust opt-out in writing
ConnecticutYes25/50 BI
DelawareNoMust opt-out in writing
DCYes25/50 BI
$5,000 PD
FloridaNoMust opt-out in writing
GeorgiaNoMust opt-out in writing
HawaiiNoMust opt-out in writing
IdahoNoMust opt-out in writing
IllinoisYes25/50 BI
IndianaNoMust opt-out in writing
IowaNoMust opt-out in writing
KansasYes25/50 BI
KentuckyNoMust opt-out in writing
LouisianaNoMust opt-out in writing
MaineYes50/100 BI
MarylandYes30/60 BI
$15,000 PD
MassachusettsYes20/40 BI
MichiganNoMust opt-out in writing
MinnesotaYes25/50 BI
MississippiNoMust opt-out in writing
MissouriYes25/50 BI
Montana NoMust opt-out in writing
NebraskaYes25/50 BI
NevadaNoMust opt-out in writing
New HampshireYes, if you purchase insurance25/50 BI
New JerseyNoCan choose to add coverage
New MexicoNoMust opt-out in writing
New YorkYes25/50 BI
North CarolinaYes30/60 BI
$25,000 PD
North DakotaYes25/50 BI
OhioNoCan choose to add coverage
OklahomaNoMust opt-out in writing
OregonYes25/50 BI
PennsylvaniaNoMust opt-out in writing
Rhode IslandNoMust opt-out in writing
South CarolinaYes25/50 BI
$25,000 PD
South DakotaYes25/50 BI
TennesseeNoMust opt-out in writing
TexasNoMust opt-out in writing
UtahNoMust opt-out in writing
VermontYes50/100 BI
$10,000 PD
VirginiaYes, if you purchase insurance25/50 BI
$20,000 PD
WashingtonNoMust opt-out in writing
West VirginiaYes25/50 BI
$25,000 PD
WisconsinYes25/50 BI
WyomingNoMust opt-out in writing
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When uninsured motorist coverage is expressed as 25/50, this means that you have $25,000 maximum coverage for injuries for one person and $50,000 maximum coverage for injuries for one accident.

If your state requires uninsured motorist insurance, you need to get at least the minimum coverage amount.

However, since it is a very affordable type of coverage, increasing the coverage amount may be beneficial if you live in a high-risk state.

What are the best uninsured motorist (UM) coverage car insurance companies?

Many major car insurance companies provide uninsured or underinsured motorist coverage. Below is a list of the top 10 car insurance companies by market share:

Top 10 Car Insurance Companies by Market Share With Ratings, Premiums Written, and Loss Ratio
CompaniesA.M. Best RatingDirect Premiums WritenMarket ShareLoss Ratio
AllstateA+ (Superior)$22.7 billion9.19%56%
American FamilyA (Excellent)$4.7 billion1.90%69%
FarmersA (Excellent)$10.5 billion4.26%61%
GeicoA++ (Superior)$33.1 billion13.41%71%
Liberty MutualA (Excellent)$11.8 billion4.77%62%
NationwideA+ (Superior)$6.7 billion2.73%58%
ProgressiveA+ (Superior)$27.1 billion10.97%62%
State FarmA++ (Superior)$41.9 billion17.01%63%
TravelersA++ (Superior)$4.7 billion1.90%60%
USAA (Military Personnel & Family Members)A++ (Superior)$14.5 billion5.87%77%
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These companies are likely to offer the car insurance policies that you need, including uninsured motorist coverage. To determine which one is best for you, compare their rates and customer satisfaction ratings.

Should I buy uninsured motorist (UM) car insurance?

Uninsured motorist (UM) car insurance is affordable compared to other insurance policies, so if you can afford to pay a few extra dollars a month, it may be beneficial.

If you live in a state that has a high percentage of uninsured or underinsured drivers, it is especially a good idea to buy uninsured motorist car insurance. Below is a list of states and their percentages of uninsured drivers:

Percentage of Uninsured Drivers by State
New Hampshire9.9%
New Jersey14.9%
New Mexico20.8%
New York6.1%
North Carolina6.5%
North Dakota6.8%
Rhode Island15.2%
South Carolina9.4%
South Dakota7.7%
West Virginia10.1%
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Do I need uninsured motorist coverage if I have Medicare? This depends on the coverage you get from your health insurance.

If you have health insurance with a high deductible that you would have to pay out-of-pocket expenses with, an uninsured motorist policy might be a good idea so you don’t end up with huge medical bills after an accident.

With all of that being said, getting uninsured motorist property damage coverage may not be as useful as bodily injury coverage, because many other types of insurance can cover property damage.

If you need help finding affordable uninsured motorist (UM) car insurance quotes, enter your ZIP code into our free quote comparison tool below.