Uninsured/Underinsured Motorist Coverage vs. State Minimum Coverage
State minimum coverage satisfies legal requirements but may not protect you if you're hit by a driver who carries no insurance or too little to cover your damages — uninsured/underinsured motorist coverage is designed to fill that gap.
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State Minimum Coverage Only
Carries only the liability limits required by your state, with no additional protection if the other driver is uninsured or underinsured.
- Lowest-cost way to meet legal requirements
- Simple, widely available policy structure
- Offers no protection if the at-fault driver has no insurance
- Can leave you covering your own medical bills and repairs out of pocket
Uninsured/Underinsured Motorist Coverage
An add-on that covers your medical bills and, in many states, vehicle damage if you're hit by a driver with no insurance or insufficient coverage.
- Can protect you against a meaningful share of drivers who carry no or minimal insurance
- Relatively low added cost for the protection it provides
- Required or automatically included in some states
- Adds to your monthly premium
- Coverage details and required minimums vary significantly by state
Which one makes sense for you?
Given that a meaningful share of drivers on the road carry no insurance or only state minimum coverage in many areas, uninsured/underinsured motorist coverage is often a low-cost way to close a real gap that state minimum liability coverage alone doesn't address.
Key cost factors.
- Estimated rate of uninsured drivers in your state or region
- Whether your state requires this coverage by default
- Your own health insurance and disability coverage as a backstop
- Value of your vehicle and potential medical exposure
Before you decide.
- What percentage of drivers in my state are estimated to be uninsured?
- Does my state require this coverage automatically, or is it optional?
- Would my health insurance meaningfully cover injuries from this kind of accident anyway?
Frequently asked questions.
Is uninsured motorist coverage required everywhere?
No — some states require it by default while others make it optional, so checking your specific state's rules is the only reliable way to know your situation.
All figures on this page are illustrative examples for general education, not quotes, appraisals, or guarantees of actual pricing. Actual costs vary by provider, location, project scope, and market conditions — always get a specific quote before making a purchasing decision.
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