Updated April 2026
What Is Uninsured Motorist Coverage Insurance?
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your coverage limits: Higher UMBI limits (e.g., $100,000 vs. $25,000 per person) increase the premium proportionally, typically by $3–$10/month per tier.
- State uninsured driver rate: States with more uninsured drivers (like Florida, Mississippi, or New Mexico) charge higher premiums because claims are more frequent.
- Your driving record: Points from violations increase the base rate for all coverages, including UM—a driver with 4 points may pay 15–30% more than a clean driver for the same limits.
- Whether you bundle UMBI and UMPD: Some carriers offer discounts when you purchase both together rather than separately, reducing the combined cost by 5–10%.
- Stacking vs. non-stacking: In states that allow stacking, you can combine UM limits across multiple vehicles on your policy for higher total coverage, which typically doubles or triples the premium for that coverage line.
- Your ZIP code claim history: Urban areas with higher hit-and-run rates or uninsured driver incidents show elevated UM premiums compared to rural areas in the same state.
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