McKayla Girardin, Car Insurance Writer
@mckayla_girardin
You need at least $25,000 in uninsured motorist coverage per person and $50,000 per accident for bodily injury in most states that require uninsured motorist insurance. You also may need $5,000 to $25,000 in uninsured motorist coverage for property damage , depending on the state. Whether or not your state requires uninsured motorist insurance, you should still purchase coverage to protect yourself in the event of an accident with an uninsured driver.
Uninsured motorist insurance acts in a similar way as an at-fault driver’s liability insurance, by covering your property damage and bodily injuries when an at-fault driver is uninsured. Uninsured motorist bodily injury (UMBI) coverage covers medical expenses, and uninsured motorist property damage (UMPD) coverage is for repairing or replacing vehicles or other personal property after an accident.
Uninsured Motorist Coverage Requirements by State
| State | Requirements |
| Bodily injury coverage of at least $25,000 per person ($50,000 per accident) | |
| 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) | |
| Bodily injury coverage of at least $25,000 per person ($50,000 per accident) | |
| Bodily injury coverage of at least $25,000 per person ($50,000 per accident) | |
| Bodily injury coverage of at least $50,000 per person ($100,000 per accident) | |
| Bodily injury coverage of at least $30,000 per person ($60,000 per accident) Property damage coverage of at least $15,000 per accident | |
| Bodily injury coverage of at least $20,000 per person ($40,000 per accident) | |
| Bodily injury coverage of at least $25,000 per person ($50,000 per accident) | |
| Bodily injury coverage of at least $25,000 per person ($50,000 per accident) | |
| Bodily injury coverage of at least $25,000 per person ($50,000 per accident) | |
| Bodily injury coverage of at least $25,000 per person ($50,000 per accident) | |
| Bodily injury coverage of at least $25,000 per person ($50,000 per accident) | |
| Bodily injury coverage of at least $30,000 per person ($60,000 per accident) Property damage coverage of at least $25,000 per accident | |
| Bodily injury coverage of at least $25,000 per person ($50,000 per accident) | |
| Bodily injury coverage of at least $25,000 per person ($50,000 per accident) | |
| 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) | |
| Bodily injury coverage of at least $25,000 per person ($50,000 per accident) | |
| 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) | |
| 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) | |
| Bodily injury coverage of at least $25,000 per person ($50,000 per accident) Property damage coverage of at least $25,000 per accident | |
| Bodily injury coverage of at least $25,000 per person ($50,000 per accident) |
You may be able to forgo purchasing uninsured motorist insurance if you live in one of the 30 states in which it’s optional, but it is generally a better idea to purchase at least the minimum amount offered. Uninsured motorist coverage costs around $50 to $75 per year, so it is an inexpensive way to ensure you are protected.
To learn more, check out WalletHub’s guide to uninsured motorist coverage.
People also ask
Do I need uninsured motorist coverage if I have health insurance?
Yes, you need uninsured motorist coverage if you have health insurance and you live in one of the 22 states where uninsured motorist insurance is required. Even if uninsured motorist coverage is optional in your state, buying it is smart if your health insurance plan is limited or requires high out-of-pocket expenses.
Uninsured motorist insurance comes in two forms: uninsured motorist property damage (UMPD) and uninsured motorist bodily injury (UMBI). Uninsured motorist property damage coverage will pay...
read full answerIs it better to have collision or uninsured motorist insurance?
It is better to have collision insurance because it applies in more situations than uninsured motorist coverage. Collision insurance can be used to repair or replace the policyholder’s vehicle after any accident, regardless of fault, while uninsured motorist insurance only applies if an uninsured driver was at fault. But unlike collision insurance, uninsured motorist coverage can be used to cover a policyholder’s medical expenses, so it’s still a worthwhile investment even if you already have collision coverage.
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