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Uninsured driver

Compare uninsured motorist coverage

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Uninsured motorist coverage pays for your costs if you’re hit by a driver who doesn’t have insurance.

It’s not rare to come across an uninsured driver on the road. According to the Insurance Research Council, one in seven drivers doesn’t carry insurance.

Unfortunately, getting into an accident with one of those drivers can cost you. To protect yourself, consider buying uninsured motorist coverage.

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What is uninsured motorist coverage?

Normally when someone hits your car, they’ll give you their insurance information so that you can file a claim with their provider.

But what if that driver doesn’t have insurance? You’d have to collect money from them, and that can be a maddening process. You may even have to litigate.

This is why uninsured motorist coverage can be valuable. If another driver doesn’t have insurance, you won’t have to liaise with them to receive compensation. Instead, your own insurance will cover your expenses.

There are two types of uninsured motorist coverage.

  • Uninsured motorist bodily injury (UMBI) coverage. UMBI covers your medical bills and other costs like lost wages. When buying this insurance, you’ll need to decide if you want split-limit or combined single limit coverage.
  • Uninsured motorist property damage (UMPD) coverage. UMPD covers damage to your car. It may also cover expenses if your personal property is damaged (such as your house).

Does it come with a deductible?

Uninsured motorist coverage may come with a deductible — ask your insurer. If a deductible applies, you’ll choose how much you want it to be when you’re buying insurance. Weigh how much car repairs would cost against how much you’d want to pay out of your own pocket. The higher you set your deductible, the lower your insurance premiums will be.

What is a deductible?

The deductible is the portion of the repair bill that you must pay.

Let’s say you file a claim to your insurance company for a $5,000 car repair bill and you have a $500 deductible. Your insurance will only cut a check for $4,500 ($5,000-$500). This means you must pay $500 out of your own pocket toward the repairs, and your insurance will cover the other $4,500.

Uninsured motorist coverage in action

You’re driving on the freeway, when you’re rear-ended by another car. There’s severe damage at the rear of your car, and you feel a slight pain in your neck. After you and the other driver pull over to exchange information, you learn that he doesn’t have insurance.

Fortunately, you have uninsured motorist coverage. Your UMBI insurance pays for your medical examination, and your UMPD insurance pays for your car repair bill.

Why should I buy uninsured motorist coverage?

If you’re hit by someone without auto insurance, they may not have the means to compensate you. You may have to pay out of pocket or even sue if your own insurance doesn’t cover you fully.

More than 20 states require uninsured motorist coverage. Some only require UMBI, some only require UMPD and others require both. Check with your state’s Department of Motor Vehicles to see if you need to buy a policy.

How much does uninsured motorist coverage cost?

The cost of uninsured motorist coverage will vary depending on such factors as your age, location and driving experience. As a rule of thumb, expect to pay around 5% of what your auto insurance costs yearly.

How do I buy uninsured motorist coverage?

Most insurance providers offer uninsured motorist coverage. Check out the limits and costs when selecting coverage.

Compare companies that offer uninsured motorist coverage

Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Yes, cars under 1 year old & 15,000 miles
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.

Compare up to 4 providers

What is underinsured coverage?

You’ll often hear underinsured and uninsured coverage mentioned together. They both operate in similar ways, but underinsured coverage is used when the driver has insurance but doesn’t have enough to cover your medical expenses or damage to your car.

Like uninsured coverage, underinsured has two types:

  • Underinsured motorist bodily injury (UIMBI) coverage. UIMBI covers your medical bills that exceed the amount the other driver’s insurance policy will cover. For example, if the other driver’s policy limit is $50,000 for medical injuries and your medical bills total $75,000, UIMBI will cover the extra $25,000.
  • Underinsured motorist property damage (UIMPD) coverage. UIMPD covers damage to your car beyond the cap on the other driver’s policy, just like UIMBI.

Bottom line

Your state may require you to buy uninsured motorist coverage. Even if it doesn’t, buying a policy may make sense: Uninsured drivers are more common than most people think.

Don’t be afraid to shop around for the best price. You can find coverage that works for you by comparing providers.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

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