Best Uninsured Motorist Coverage Car Insurance Companies (2021)

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.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 5, 2021

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The Highlights

  • 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 legally mandated 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 policy.

When you’re ready to buy uninsured motorist coverage car 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 hits you.

However, your age, ZIP code, and driving record heavily influence your car insurance rates.

So expect your uninsured motorist coverage car insurance rates to be between $50 and $74 each year.

Ready to find the most affordable uninsured motorist car 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
CompaniesAverage 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
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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 all drivers and offers a large selection of stackable discounts customers can earn.

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 the cost of car insurance, including your age, ZIP code, and driving record.

If the previously mentioned providers don’t work for you, try looking into our honorable mentions:

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.

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How does uninsured motorist coverage work?

If someone hits you without insurance, uninsured motorist coverage replaces the at-fault driver’s liability insurance.

Otherwise, you must pursue legal action, or you’re responsible for paying for your 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 repairing or replacing your vehicle or other 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 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
StatePercent of Uninsured Motorists
Alabama18%
Alaska15%
Arizona12%
Arkansas17%
California15%
Colorado13%
Connecticut9%
Delaware11%
District of Columbia16%
Florida27%
Georgia12%
Hawaii11%
Idaho8%
Illinois14%
Indiana17%
Iowa9%
Kansas7%
Kentucky12%
Louisiana13%
Maine5%
Maryland12%
Massachusetts6%
Michigan20%
Minnesota12%
Mississippi24%
Missouri14%
Montana10%
Nebraska7%
Nevada11%
New Hampshire10%
New Jersey15%
New Mexico21%
New York6%
North Carolina7%
North Dakota7%
Ohio12%
Oklahoma11%
Oregon13%
Pennsylvania8%
Rhode Island15%
South Carolina9%
South Dakota8%
Tennessee20%
Texas14%
Utah8%
Vermont7%
Virginia10%
Washington17%
West Virginia10%
Wisconsin14%
Wyoming8%
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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 limits required by states in the table below.

Uninsured Motorist Coverage Limits Required by State
StateUM or UM/UIM RequiredCoverage Limits
ConnecticutUM/UIMBodily injury coverage $25,000 per person, $50,000 per accident
District of ColumbiaUMBodily 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
IllinoisUM/UIMBodily injury coverage of at least $25,000 per person, $50,000 per accident
MaineUM/UIMBodily injury coverage of at least $50,000 per person, $100,000 per accident
MarylandUM/UIMBodily injury coverage of at least $30,000 per person, $60,000 per accident
Property damage coverage of at least $15,000 per accident
MassachusettsUM/UIMBodily injury coverage of at least $20,000 per person, $40,000 per accident
MinnesotaUM/UIMBodily injury coverage of at least $25,000 per person, $50,000 per accident
MissouriUMBodily injury coverage of at least $25,000 per person, $50,000 per accident
NebraskaUM/UIMBodily injury coverage of at least $25,000 per person, $50,000 per accident
New HampshireUM/UIMBodily injury coverage of at least $25,000 per person, $50,000 per accident
New JerseyUM/UIMDrivers can choose to add coverage
New YorkUM/UIMBodily injury coverage of at least $25,000 per person, $50,000 per accident
North CarolinaUM/UIMBodily injury coverage of at least $30,000 per person, $60,000 per accident
Property damage coverage of at least $25,000 per accident
North DakotaUM/UIMBodily injury coverage of at least $25,000 per person, $50,000 per accident
OregonUM/UIMBodily injury coverage of at least $25,000 per person, $50,000 per accident
South CarolinaUMBodily 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 DakotaUM/UIMBodily injury coverage of at least $25,000 per person, $50,000 per accident
VermontUM/UIMBodily 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
VirginiaUM/UIMBodily 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 VirginiaUMBodily injury coverage of at least $25,000 per person, $50,000 per accident
Property damage coverage of at least $25,000 per accident
WisconsinUMBodily injury coverage of at least $25,000 per person, $50,000 per accident
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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 to avoid complications with your medical bills.

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Best Uninsured Motorist Coverage (UM) Car Insurance Companies: The Bottom Line

If you can reasonably afford it, it is typically worthwhile to add 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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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