Updated April 2026
What Is Uninsured Motorist Coverage Insurance?
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Coverage limits selected — higher limits ($100,000/$300,000) cost 40–60% more than minimum required limits ($25,000/$50,000)
- State requirements — mandatory UM states have 15–25% lower premiums due to larger risk pools compared to optional-coverage states
- Uninsured driver rates in your area — states with 20%+ uninsured rates see premiums 30–50% higher than low-uninsured states
- Your liability coverage limits — UM limits typically cannot exceed your liability limits, affecting available options
- Stacking options — states allowing stacked coverage (multiplying limits by number of vehicles) charge 25–40% more for this feature
- Age-based discounts — many carriers offer 5–10% UM premium reductions for drivers over 65 with clean records
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