A woman with blonde hair, wearing a beige sweater, black trousers and a brown shoulder bag, walks away from the camera toward a parked gray SUV in a dimly lit concrete parking garage.

Uninsured Motorist Coverage Explained

Uninsured Motorist Coverage pays for your injuries and vehicle damage when you're hit by a driver with no insurance or insufficient coverage to pay your claim.

Find Carriers That Accept Points

What Is Uninsured Motorist Coverage Insurance?

Uninsured Motorist Coverage has two components: Uninsured Motorist Bodily Injury (UMBI) pays for your medical bills, lost wages, and pain and suffering when an at-fault driver has no insurance or flees the scene in a hit-and-run. Uninsured Motorist Property Damage (UMPD) pays to repair or replace your vehicle when the at-fault driver has no coverage. Some states combine these as a single coverage, while others require you to purchase them separately or bundle UMPD into collision coverage instead. This coverage also extends to underinsured motorist situations in most states—when the at-fault driver's liability limits are too low to cover your full damages.

A hand holds a car key with a black fob over printed documents and a pen on a wooden table, with a mug, plant and a blurred person in the background.

Who Needs Uninsured Motorist Coverage Insurance?

Drivers with points on their license should strongly consider Uninsured Motorist Coverage because you're statistically more likely to be involved in another accident during the period your points remain active—and if the next at-fault driver has no insurance, you'll face full out-of-pocket costs without this protection. It's especially critical if you carry liability-only coverage (common after violations to reduce premiums) because you have no collision or comprehensive to fall back on for vehicle damage.

If not, carry this coverage with limits matching your potential medical and vehicle replacement costs.

How Much Does Uninsured Motorist Coverage Insurance Cost?

State uninsured driver rate: States with more uninsured drivers (like Florida, Mississippi, or New Mexico) charge higher premiums because claims are more frequent.
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.

Related Coverage Types

A man in a dark button-up shirt sits at a wooden desk looking at an open laptop, with scattered papers, a mug, a lit desk lamp, a potted plant and a window showing a sunset sky behind him.

Collision Coverage→

A dark metal mailbox on a post with a white envelope protruding from its closed door, standing beside shrubs in front of a concrete driveway where a dark SUV is parked near a house at dusk.

Full Coverage→

A bearded man in a dark hooded jacket and tan pants sits in a vehicle's driver seat, pulling the seat belt across his chest toward the buckle, with trees and buildings visible through the open window.

Liability Insurance→

A man in a dark hoodie and baseball cap sits in the driver's seat of a van, pulling the seat belt across his chest toward the buckle.

Non-Standard Auto Insurance→

A man in a dark jacket and jeans stands beside an open door of a dark sedan at dusk, with a lit city skyline and a streetlamp across the water behind him.

Stop Overpaying While Your Points Fade

Find Carriers That Accept Points