In Plain English

Uninsured and underinsured motorist coverage protects you from the damage done to yourself or your car by people who do not have insurance, have insurance that sucks, or hit-and-run.

Posted on: Jun 03, 2015

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It’s our job to understand car insurance so that you never have to consider it. With all your new free time, you can instead consider your past regrets, your future hopes, or the answer to the eternal question: How many licks does it take to get to the center of a Tootsie Pop?

Uninsured/Underinsured Motorist Coverage

Unfortunately, not everyone is the responsible, law-abiding, good-looking citizen you are. Some jerks people don’t carry insurance, and the last thing you want is to be stuck with bills from an accident you didn’t cause. Also worth noting: Sometimes the state minimums for required insurance are so low that they might not cover all accident-related expenses. This is where uninsured/underinsured motorist coverage comes in. You can elect for either motorist bodily injury-related coverage, to protect your own skin, and/or property damage coverage, to protect the skin of that sled you so admire.  These options will vary by state, and in certain instances will be required, so it's best to check with your agent about your specific situation.

You might choose Uninsured/Underinsured Motorist Coverage if…

  • You live somewhere with a ton of uninsured drivers (see below), or the state minimum coverage is so low it’d be tough to limbo under.
  • You want protection against hit-and-run drivers, or being hit by a car as a pedestrian (both of these are also covered by uninsured/underinsured motorist coverage).


Do I need uninsured motorist coverage?

About one in seven drivers is currently uninsured. That translates into a one in seven chance that in the event of an accident, you will need to pay your collision deductible to repair your vehicle or even worse— if you don’t have collision coverage, you will need to pay out of pocket.  Some states even require you carry it as part of your state minimum coverage.  

Uninsured Motorist Coverage Infographic

Is uninsured motorist coverage worth it?

This depends on how comfortable you are with risk and how confident you are in your ability to pay out of pocket if an accident were to occur. The average cost of damage in a car accident is $7,500, not counting any medical bills incurred.

Uninsured Motorist Coverage Worth It

How much uninsured motorist coverage do I need?

Motorist bodily injury-related coverage will help protect you from medical related expenses in the case of injury, while property damage coverage will protect your car. You can combine both for the widest net of protection, or elect to only carry one.

How much does uninsured motorist coverage cost?

The cost of uninsured motorist coverage varies widely depending on a number of factors such as age, vehicle, and location. See quotes from hundreds of carriers in seconds at

Uninsured Drivers by State



 Uninsured Motorists 

1 Oklahoma 26%
2 Florida 24%
3 Mississippi 23%
4 New Mexico 22%
5 Michigan 21%
6 Tennessee 20%
7 Alabama 20%
8 Rhode Island 17%
9 Colorado 16%
10 Washington 16%
11 Arkansas 16%
12 Kentucky 16%
13 California 15%
14 Indiana 14%
15 Montana 14%
16 Louisiana 14%
17 Missouri 14%
18 Ohio 14%
19 Illinois 13%
20 Texas 13%
21 Alaska 13%
22 Maryland 12%
23 Nevada  12%
24 Georgia 12%
25 Wisconsin  12%
26 Delaware 12%
27 Minnesota 11%
28 Arizona 11%
29 New Jersey 10%
30 Virginia 10%
31 Iowa 10%
32 Kansas 9%
33  New Hampshire  9%
34 North Carolina 9%
35 Oregon 9%
36 Hawaii 9%
37 Wyoming  9%
38 Vermont 9%
39 West Virginia 8%
40 Connecticut 8%
41 South Dakota 8%
42 South Carolina 8%
43 Idaho 7%
44 Nebraska 7%
45 Pennsylvania 7%
46 North Dakota 6%
47 Utah 6%
48 New York 5%
49 Maine 5%
50 Massachusetts 4%

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