All About Uninsured Motorist Coverage Car Insurance

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While you might have car insurance, not all drivers do. Luckily, you can protect yourself from uninsured motorists with your car insurance policy to make sure you’re covered if an uninsured person hits you. But, how exactly does uninsured motorist protection work, and do you really need it?

How Uninsured Motorist Protection Car Insurance Works

In an accident, the car insurance of the at-fault driver bears the brunt of the responsibility for paying for any medical bills for you and your passengers, and any damage to your car or property. Sometimes, though, the other driver does not have insurance. Your collision coverage, if you have it, should cover you in this case.
Uninsured motorist protection represents another coverage type that you can carry to help protect you and your property when hit by an uninsured driver. Uninsured motorist protection comes in two different types:
  • Uninsured motorist bodily injury: This insurance option covers injuries suffered when hit by an uninsured driver.
  • Uninsured motorist property damage: This option pays for any damage to your car when hit by an uninsured driver.
Underinsured motorist protection represents another optional coverage type similar to uninsured motorist protection. Underinsured motorist protection comes into play when an at-fault driver has some liability coverage but not enough to cover all of the medical expenses or property damage.
As with uninsured motorist protection, underinsured motorist protection comes in two different types:
  • Underinsured motorist bodily injury: This insurance covers injuries to you and your passengers when hit by an at-fault driver with insufficient liability insurance to cover all medical expenses.
  • Underinsured motorist property damage: This insurance type covers any damage top your vehicle by an at-fault driver who doesn’t have enough liability damage to cover all of the damage to your vehicle.

Do You Need Uninsured Motorist Protection?

Whether you need to purchase uninsured motorist protection car insurance depends on the state where you live. While many states don’t require you to have uninsured motorist protection, 22 states do require it.
Uninsured/Underinsured Motorist State Minimums

State
Uninsured (UM)/
Underinsured Motorist (UIM)
Uninsured/Underinsured Motorist Limits
Per Person/Per Accident
Alabama Not required; may reject in writing N/A
Alaska Not required; may reject in writing N/A
Arizona Not required; may reject in writing N/A
Arkansas Not required; may reject in writing N/A
California Not required; may reject in writing N/A
Colorado Not required; may reject in writing N/A
Connecticut UM/UIM $20,000/40,000
Delaware Not required; may reject in writing N/A
D.C. UM $25,000/50,000
Florida Not required; may reject in writing N/A
Georgia Not required; may reject in writing N/A
Hawaii Not required; may reject in writing N/A
Idaho Not required; may reject in writing N/A
Illinois UM $25,000/50,000
Indiana Not required; may reject in writing N/A
Iowa Not required; may reject in writing N/A
Kansas UM/UIM $25,000/50,000
Kentucky Not required; may reject in writing N/A
Louisiana Not required; may reject in writing N/A
Maine UM/UIM $50,000/100,000
Maryland UM/UIM "$30,000/60,000
Massachusetts UM/UIM $20,000/40,000
Michigan Not required; may reject in writing N/A
Minnesota UM/UIM $25,000/50,000
Mississippi Not required; may reject in writing N/A
Missouri UM $25,000/50,000
Montana Not required; may reject in writing N/A
Nebraska UM/UIM $25,000/50,000
Nevada Not required; may reject in writing N/A
New Hampshire UM $25,000/50,000
New Jersey UM/UIM
New Mexico Not required; may reject in writing N/A
New York UM $25,000/50,000
North Carolina UM
North Dakota UM/UIM $25,000/50,000
Ohio Not required; may reject in writing N/A
Oklahoma Not required; may reject in writing N/A
Oregon UM $25,000/50,000
Pennsylvania Not required; may reject in writing N/A
Rhode Island Not required; may reject in writing N/A
South Carolina UM $25,000/50,000
South Dakota UM/UIM $25,000/50,000
Tennessee Not required; may reject in writing N/A
Texas Not required; may reject in writing N/A
Utah Not required; may reject in writing N/A
Vermont UM/UIM $50,000/100,000
Virginia UM/UIM $25,000/50,000
Washington Not required; may reject in writing N/A
West Virginia UM $25,000/50,000
Wisconsin UM $25,000/50,000
Wyoming Not required; may reject in writing N/A

How Much Does Uninsured Motorist Protection Cost?

Uninsured motorist protection car insurance averages between $33 and $76 for $25,000/50,000 of coverage, depending on the state in which you live. Increasing coverage amounts to $50,000/100,000 doubles your premiums to around $86 and $134, respectively. States with a higher percentage of uninsured drivers usually have higher premiums for such insurance.
You should always try to protect yourself financially in an accident, even if the other drivers around you do not. This includes purchasing the appropriate amount of uninsured or underinsured motorist protection car insurance.

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