Auto & Driving
Uninsured/Underinsured Motorist Coverage Calculator
Estimates based on WalletHub data, updated August 2026.
See whether your state requires uninsured/underinsured motorist (UM/UIM) coverage and what adding it is likely to cost.
Data sourced from WalletHub
Estimated new annual premium with UM/UIM
$0
How this is calculated
Source: WalletHub (state requirements and typical cost) · Last updated 2026-08-20 · See how we calculate this →
Why UM/UIM protects you from other people's insurance choices
Uninsured motorist (UM) coverage pays for your injuries when the driver who caused an accident has no insurance at all. Underinsured motorist (UIM) coverage steps in when the at-fault driver does have insurance, but not enough to cover the full cost of your injuries.
Most policies that offer one offer both together, since the practical effect is the same: you are protected even when the other driver cannot pay.
Twenty states plus the District of Columbia require it: Connecticut, DC, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia, and Wisconsin.
Virginia and North Carolina both raised their required UM/UIM limits in 2025 to match their own higher liability minimums, $50,000 per person and $100,000 per accident in both states. Elsewhere, it is optional, though still widely offered and recommended.
Cost tends to be modest relative to the protection it offers. WalletHub reports uninsured motorist coverage typically adds $50 to $75 a year to a policy, no single number is authoritative enough to quote as "the" typical cost, so this tool shows the full reported range instead of picking one figure.
UM/UIM matters more than its low mandate rate suggests. Nationally, roughly 1 in 8 drivers carries no insurance at all, and many more carry only their state's bare minimum, which is often not enough to cover a serious injury.
Even in states where it is optional, UM/UIM is one of the more cost-effective additions available, it protects against a risk entirely outside your own control.
Frequently asked questions
What is the difference between UM and UIM coverage?
Uninsured motorist (UM) coverage pays when the at-fault driver has no insurance at all. Underinsured motorist (UIM) coverage pays when the at-fault driver has some insurance, but not enough to cover your full damages. Most policies bundle both together.
Which states require UM/UIM coverage?
Twenty states plus the District of Columbia currently mandate it: Connecticut, DC, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia, and Wisconsin. Everywhere else, it is optional.
Why would I want UM/UIM coverage if my state does not require it?
Because it protects you from other people's insurance choices, not your own. Roughly 1 in 8 drivers nationally carries no insurance at all, and many more carry only the state minimum, which often is not enough to cover a serious injury. UM/UIM fills that gap even where it is not legally mandatory.
Does UM/UIM raise my own liability limits?
No. Your liability coverage pays for damage you cause to others. UM/UIM is the opposite direction, it pays you when someone else causes an accident and cannot fully cover it. The two are separate coverages that happen to often be sold together.