Best Uninsured Motorist (UM) Coverage Car Insurance Company (2024)
Drivers in 18 states are required by law to buy uninsured motorist coverage car insurance. The best uninsured motorist coverage (UM) car insurance companies are GEICO and State Farm. Uninsured motorist coverage car insurance quotes average around $5.50 per month or $63 annually, so consider adding this affordable coverage to your policy, especially if you live in a state with a large number of uninsured motorists.
Read moreFree Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Jul 15, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 15, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The best uninsured motorist coverage (UM) car insurance companies are GEICO and State Farm
- Uninsured motorist car insurance costs $5.50 per month or $63 annually on average
- Uninsured motorist coverage is a legal requirement in 18 states
The best uninsured motorist coverage (UM) car insurance companies offering the cheapest average rates in most states are GEICO and State Farm.
Below, compare car insurance from the top companies offering uninsured motorist protection and determine if you should add UM insurance to your auto policy.
When you’re ready to buy uninsured motorist coverage auto insurance, enter your ZIP code into our free rate tool above to receive quotes from the top providers near you.
What are the best uninsured motorist coverage car insurance companies?
For an average of $5.50 per month or $63 annually, uninsured motorist coverage car insurance replaces another driver’s liability insurance if someone without insurance coverage hits you.
However, your age, ZIP code, and driving record all can significantly influence your car insurance rates.
Expect your uninsured motorist coverage car insurance rates to be between $50 and $74 each year.
Ready to find the most affordable uninsured motorist auto insurance company?
Compare the average annual car insurance rates that include uninsured motorist coverage from the top providers in the table below.
Average Annual Car Insurance Rates by Company
Companies | Average Annual Car Insurance Rates |
---|---|
Allstate | $2,722.99 |
GEICO | $1,560.91 |
Liberty Mutual | $4,331.75 |
Nationwide | $2,487.58 |
Progressive | $3,167.91 |
Safeco | $8,476.85 |
State Farm | $2,192.80 |
Travelers | $2,253.96 |
USAA | $1,690.19 |
According to our data, GEICO car insurance company offers some of the most affordable uninsured motorist coverage car insurance quotes to drivers in most states.
GEICO is available to people of all driving experience and offers a large selection of stackable discounts customers can earn, and valuable coverage options to choose from.
Plus, the financial outlook for this provider is strong, and customer ratings are typically neutral to positive.
State Farm car insurance company is another competitive uninsured motorist coverage car insurance company offering cheap rates to customers.
While State Farm doesn’t have as many discounts as GEICO, it does provide more considerable rate reductions for customer loyalty deals.
USAA car insurance company also offers low-cost uninsured motorist coverage car insurance rates. However, only military personnel are eligible for USAA insurance, so availability from this provider is limited.
Many different variables impact what auto insurance quote you will see, including your age, ZIP code, and driving record. A teen driver will have a hard time finding cheap car insurance, while a senior driver will usually qualify for multiple discounts, for example.
If the previously mentioned providers don’t work for you, try looking into our honorable mentions:
- Allstate car insurance company
- Liberty Mutual car insurance company
- Nationwide car insurance company
- Progressive car insurance company
- Travelers car insurance company
The best way to find the best uninsured motorist company for you is to compare quotes online from multiple providers.
Also, don’t forget to ask about car insurance discounts for access to even more significant savings.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
How does uninsured motorist coverage work?
If someone without insurance hits your motor vehicle, uninsured motorist coverage replaces the at-fault driver’s liability insurance.
Otherwise, you must pursue legal action, or you’re responsible for the coverage for damages out of pocket.
In no-fault states, your right to sue that driver is limited depending on the tort thresholds where you live.
Technically there are two types of uninsured motorist coverage, bodily injury, which covers medical costs, and property damage, which goes towards auto repair or replacing your vehicle or other damage to property.
Uninsured motorist coverage is not the same thing as underinsured motorist coverage.
Underinsured motorist coverage kicks in when the at-fault driver does carry insurance, but the insurance policy limits are too low to cover all of your damages.
Do you live in a state with a high rate of uninsured motorists? Find out in the table below.
Percent of Uninsured Motorists by State
State | Percent of Uninsured Motorists |
---|---|
Alabama | 18% |
Alaska | 15% |
Arizona | 12% |
Arkansas | 17% |
California | 15% |
Colorado | 13% |
Connecticut | 9% |
Delaware | 11% |
District of Columbia | 16% |
Florida | 27% |
Georgia | 12% |
Hawaii | 11% |
Idaho | 8% |
Illinois | 14% |
Indiana | 17% |
Iowa | 9% |
Kansas | 7% |
Kentucky | 12% |
Louisiana | 13% |
Maine | 5% |
Maryland | 12% |
Massachusetts | 6% |
Michigan | 20% |
Minnesota | 12% |
Mississippi | 24% |
Missouri | 14% |
Montana | 10% |
Nebraska | 7% |
Nevada | 11% |
New Hampshire | 10% |
New Jersey | 15% |
New Mexico | 21% |
New York | 6% |
North Carolina | 7% |
North Dakota | 7% |
Ohio | 12% |
Oklahoma | 11% |
Oregon | 13% |
Pennsylvania | 8% |
Rhode Island | 15% |
South Carolina | 9% |
South Dakota | 8% |
Tennessee | 20% |
Texas | 14% |
Utah | 8% |
Vermont | 7% |
Virginia | 10% |
Washington | 17% |
West Virginia | 10% |
Wisconsin | 14% |
Wyoming | 8% |
If you’re the victim of a hit-and-run, meaning the at-fault party left the scene without sharing contact information, then some states allow you to use your uninsured motorist coverage.
However, the following states do not allow for UM insurance to cover hit-and-run claims:
- California
- Colorado
- Georgia
- Illinois
- Ohio
Similarly, in some states, you can stack uninsured motorist coverage if you purchase the policy on multiple vehicles or own two separate car insurance policies, essentially doubling your limits.
Verify your local laws for more detailed information about your options.
How do I file an uninsured motorist coverage claim?
How exactly does uninsured motorist coverage work when you need to file a claim?
After an uninsured driver hits you, take detailed notes about the accident, as well as photos if possible, to help with the investigation.
Next, call your insurance company and file a claim under your uninsured motorist policy.
An adjuster will investigate the claim and present you with a reimbursement amount. Once you accept the payment, you typically receive it as a check in the mail from your provider.
Fortunately, it’s common to recover all lost wages and costs with a UM claim.
Who needs uninsured motorist coverage?
So, how much uninsured motorist coverage do you need? Technically, 18 states require drivers to purchase some level of UM insurance, although some also require underinsured motorist coverage.
But if you live in one of the following states, then only uninsured motorist protection is part of your legal minimum car insurance limits:
- District of Columbia
- Missouri
- South Carolina
- West Virginia
- Wisconsin
Laws in the following states require residents to purchase both underinsured and uninsured motorist coverage:
- Connecticut
- Illinois
- Maine
- Maryland
- Minnesota
- Nebraska
- New Hampshire
- New Jersey
- New York
- North Carolina
- North Dakota
- Oregon
- South Dakota
- Vermont
- Virginia
However, New Hampshire and Virginia residents can waive car insurance by providing proof of financial responsibility.
Check out the specific uninsured motorist car insurance minimum required coverage limits by states in the table below.
Uninsured Motorist Coverage Limits Required by State
State | UM or UM/UIM Required | Coverage Limits |
---|---|---|
Connecticut | UM/UIM | Bodily injury coverage $25,000 per person, $50,000 per accident |
District of Columbia | UM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident Property damage coverage of at least $5,000 per accident, subject to a $200 deductible |
Illinois | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
Maine | UM/UIM | Bodily injury coverage of at least $50,000 per person, $100,000 per accident |
Maryland | UM/UIM | Bodily injury coverage of at least $30,000 per person, $60,000 per accident Property damage coverage of at least $15,000 per accident |
Massachusetts | UM/UIM | Bodily injury coverage of at least $20,000 per person, $40,000 per accident |
Minnesota | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
Missouri | UM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
Nebraska | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
New Hampshire | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
New Jersey | UM/UIM | Drivers can choose to add coverage |
New York | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
North Carolina | UM/UIM | Bodily injury coverage of at least $30,000 per person, $60,000 per accident Property damage coverage of at least $25,000 per accident |
North Dakota | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
Oregon | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
South Carolina | UM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident Property damage coverage of at least $25,000 per accident, subject to a $200 deductible |
South Dakota | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
Vermont | UM/UIM | Bodily injury coverage of at least $50,000 per person, $100,000 per accident Property damage coverage of at least $10,000 per accident, subject to a $150 deductible |
Virginia | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident Property damage coverage of at least $20,000 per accident, subject to a $200 deductible |
West Virginia | UM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident Property damage coverage of at least $25,000 per accident |
Wisconsin | UM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
Even if UM insurance is not required where you live, it’s usually worth adding to your car insurance policy if it’s available to you.
According to the Insurance Information Institute (III), 13% of Americans are uninsured, which is one in eight drivers. Your liability insurance never covers your own damages if someone without insurance hits you.
But what if you invest in collision coverage, which covers damage to your vehicle and property?
When it comes to property damage uninsured motorist coverage versus collision insurance, sometimes investing in both is redundant.
Similarly, if you live in a no-fault state where personal injury protection (PIP) insurance is required, which covers medical bills regardless of fault, bodily injury uninsured motorist coverage may be unnecessary.
Medical payments (MedPay) coverage is similar to PIP but offers less range. So if you invest in both PIP and MedPay, you likely can waive uninsured motorist coverage.
But do you need uninsured motorist coverage if you have Medicare? Experts recommend investing in both types of coverages to avoid complications with your medical bills.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Case Studies: Best Uninsured Motorist (UM) Coverage Car Insurance Company
Case Study 1: Alex’s Affordable UM Coverage With GEICO
Alex, a responsible driver who understands the risks of uninsured motorists, was searching for car insurance that would provide affordable UM coverage. After comparing quotes from various insurance providers, Alex found that GEICO offered competitive rates for UM coverage.
Impressed by their affordability and positive customer ratings, Alex decided to choose GEICO as the car insurance provider.
Case Study 2: Sarah’s Reliable UM Coverage With State Farm
Sarah, a cautious driver concerned about the increasing number of uninsured motorists, wanted a reliable car insurance company that offered UM coverage. After thorough research, she discovered that State Farm was highly regarded for its UM coverage and customer loyalty discounts.
Sarah appreciated the combination of reliable coverage and potential savings, which led her to choose State Farm as her car insurance provider.
Case Study 3: John’s Military Eligibility for USAA’s UM Coverage
John, a military personnel member, was looking for car insurance with UM coverage that catered to his specific needs. After exploring various options, John discovered that USAA offered low-cost car insurance with excellent UM coverage exclusively for military personnel.
Impressed by their dedication to serving military members, John decided to go with USAA as his car insurance provider.
Best Uninsured Motorist Coverage (UM) Car Insurance Companies: The Bottom Line
If you can reasonably afford it, it is typically worthwhile to invest in additional coverages by adding uninsured motorist coverage to your car insurance policy.
Fortunately, you can secure affordable uninsured motorist car insurance rates from most national providers. However, GEICO, State Farm, and USAA provide the cheapest average quotes nationally.
Why wait? Compare affordable uninsured motorist coverage car insurance quotes from the best companies in your region right now by entering your ZIP code into our free rate tool below.
Frequently Asked Questions
What are the best uninsured motorist coverage car insurance companies?
The best uninsured motorist coverage (UM) car insurance companies are GEICO and State Farm. They offer affordable rates and reliable coverage options.
How does uninsured motorist coverage work?
Uninsured motorist coverage replaces the liability insurance of an at-fault driver who doesn’t have insurance. It helps cover medical costs and property damage if you’re hit by an uninsured driver.
How do I file an uninsured motorist coverage claim?
To file an uninsured motorist coverage claim, report the accident to your insurance company and provide detailed information and evidence. An adjuster will investigate the claim and offer a reimbursement amount.
Who needs uninsured motorist coverage?
Uninsured motorist coverage is required by law in 18 states. However, even if it’s not mandatory in your state, it’s worth considering because around 13% of drivers in the US are uninsured.
How much uninsured motorist coverage do I need?
The required coverage limits vary by state. Some states only require uninsured motorist (UM) coverage, while others mandate both UM and underinsured motorist (UIM) coverage. Check your state’s minimum requirements.
What are the average costs of uninsured motorist coverage?
On average, uninsured motorist coverage costs around $5.50 per month or $63 annually. The actual rates can vary based on factors such as your age, ZIP code, and driving record.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.