Calculate how much uninsured motorist coverage you need based on medical costs, lost wages, and the rate of uninsured drivers in your state.
About 1 in 8 drivers on the road has no auto insurance. If an uninsured driver hits you, your only financial protection is your own uninsured motorist (UM) coverage. Without it, you'd be responsible for your own medical bills, lost wages, and vehicle repairs — even though the accident wasn't your fault.
This calculator estimates the uninsured motorist coverage you need based on potential medical expenses, lost income, and the percentage of uninsured drivers in your area. It helps you determine appropriate UM bodily injury and property damage limits.
Note: This tool provides educational estimates only, not actual insurance recommendations. Consult a licensed insurance professional for personalized coverage advice. Whether you are a beginner or experienced professional, this free online tool provides instant, reliable results without manual computation. By automating the calculation, you save time and reduce the risk of costly errors in your planning and decision-making process. This tool handles all the complex arithmetic so you can focus on interpreting results and making informed decisions based on accurate data.
Getting hit by an uninsured driver can be financially devastating. Average emergency room visits cost $2,000-$3,000, and serious injuries can run into six figures. UM coverage is your safety net, often costing only $20-$50 extra per year. This calculator shows the potential gap so you can make an informed coverage decision.
Potential Medical Costs = Estimated Medical Expenses Lost Wages = Monthly Income × Recovery Months Total Exposure = Medical Costs + Lost Wages + Pain & Suffering (estimated at 1.5× medical) Recommended UM Coverage = Total Exposure rounded to nearest standard limit Risk Factor = Uninsured Driver Rate / 100
Result: $250,000 UM coverage recommended
With potential $50,000 medical costs, $15,000 lost wages (3 months at $5,000/mo), and $75,000 estimated pain & suffering (1.5× medical), total exposure is $140,000. With 13% of drivers uninsured, the recommended UM coverage is $250,000 per person to provide adequate protection.
One in eight drivers has no insurance. In some states, it's one in four. When an uninsured driver causes an accident, victims face medical bills, lost wages, and vehicle damage with no one to pay. Suing an uninsured driver rarely produces results since they typically lack assets.
UM coverage typically costs $20-$50 per year for $100,000/$300,000 limits. That's equivalent to a few coffees per month for protection against potentially devastating financial losses. It's one of the best values in auto insurance.
Some states allow "stacking" — multiplying your UM limits by the number of vehicles on your policy. If you have $100,000 UM coverage and two cars, stacking gives you $200,000 in protection. Ask your agent about stacking availability in your state.
Uninsured motorist (UM) coverage pays for your injuries and damages when you're hit by a driver who has no insurance. It acts as a substitute for the at-fault driver's nonexistent liability policy, covering your medical bills, lost wages, and pain and suffering.
Nationally, about 12.6% of drivers are uninsured. However, rates vary dramatically by state — from under 5% in Maine and Massachusetts to nearly 30% in Mississippi. Urban areas tend to have higher uninsured rates.
It depends on your state. About 20 states require UM coverage, while others make it optional. Even where it's optional, most insurance experts strongly recommend it given the high rate of uninsured drivers.
Yes, in most states. If a hit-and-run driver injures you and can't be identified, your UM coverage typically applies. Some states require physical contact between vehicles; others cover all hit-and-run scenarios.
UM (uninsured motorist) covers you when the at-fault driver has NO insurance. UIM (underinsured motorist) covers you when the at-fault driver has insurance but not enough to cover your damages. They're often sold together.
Generally no. Since UM claims involve accidents that aren't your fault, most states prohibit insurers from surcharging your premium after a UM claim. However, practices vary by state and insurer.