How Much Uninsured Motorist Coverage Do I Need?
Uninsured and underinsured motorist coverage pays for your injuries when the driver who hits you has no insurance or too little. Enter your figures to see a suggested limit and how it compares to what you carry now.
Uninsured Motorist Coverage Calculator
How this works
Liability coverage protects other people when you cause an accident. Uninsured and underinsured motorist coverage protects you and your passengers when the other driver is at fault but has no insurance, or has too little to cover your injuries. The two are separate parts of a policy.
A serious injury claim can exceed the at-fault driver's limits, and many drivers carry only the state minimum. Uninsured motorist coverage fills that gap for your own medical costs and related losses, up to the limit you choose. Some states also offer stacked coverage, which combines the limits across multiple vehicles on the policy.
This tool suggests a limit using a common rule of thumb: enough to cover your net worth plus roughly one year of income, rounded up to a standard tier. It does not account for state-specific rules, health coverage, or umbrella policies, so treat the result as a starting point for a conversation with a licensed agent.
Frequently asked questions
What is the difference between uninsured and underinsured motorist coverage?
Uninsured motorist coverage applies when the at-fault driver has no insurance. Underinsured motorist coverage applies when that driver has some coverage but not enough to pay for your injuries.
Is uninsured motorist coverage required?
Requirements vary by state. Some states require it, some make it optional, and some require insurers to offer it. A state insurance department can confirm the rule where you live.
What is stacked uninsured motorist coverage?
Stacking combines the uninsured motorist limits of multiple vehicles on one policy, which can raise the total available. Whether stacking is allowed, or required, depends on state law and the policy.
Does it cover hit and run accidents?
Often it does, because the at-fault driver is unidentified or uninsured. Exact terms vary, and some policies treat hit-and-run claims differently, so check the policy wording.
Does uninsured motorist coverage pay for vehicle damage?
It generally covers bodily injury, and some states or policies include uninsured motorist property damage. Collision coverage is the more common route for repairing your own car.
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