Updated April 2026
What Is Uninsured Motorist Coverage Insurance?
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Coverage limits you select — higher bodily injury limits (e.g., $100,000/$300,000 vs. $25,000/$50,000) increase your premium proportionally.
- Uninsured driver rate in your state — states with higher percentages of uninsured motorists often have higher premiums for this coverage because the risk of a claim is greater.
- Whether you add property damage coverage — UMPD typically adds $3 to $8 per month on top of bodily injury coverage where available.
- Your driving record and points — carriers may increase this coverage cost if you have recent violations or accidents, though the surcharge is typically smaller than the impact on liability premiums.
- Whether you stack coverage across multiple vehicles — stacking allows you to combine limits from all vehicles on your policy, but it can increase premiums by 30% to 60%.
- Your deductible on UMPD — choosing a $500 deductible instead of $250 can reduce this portion of the premium by 10% to 15%.
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