Defend Yourself from Uninsured & Underinsured Motorists
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The Data Behind Uninsured Drivers
State | Percentage of Uninsured Drivers |
Mississippi | 29.4% |
Michigan | 25.5% |
Tennessee | 23.7% |
New Mexico | 21.8% |
Washington | 21.7% |
Florida | 20.4% |
Alabama | 19.5% |
Arkansas | 19.3% |
District of Columbia | 19.1% |
California | 16.6% |
How Uninsured and Underinsured Motorist Coverage Work
Uninsured and Underinsured Motorist Bodily Injury Coverage (UMBI/UIMBI)
Uninsured and Underinsured Motorist Property Coverage (UMPD/UIMPD)
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States Where UM and UIM are Mandatory
State | Bodily injury (BI) liability | Property damage (PD) liability | Personal injury protection (PIP) | Uninsured motorists (UM) | Underinsured motorists (UIM) |
Connecticut | $25,000 BI liability per person; $50,000 BI liability per accident | $20,000 PD liability per accident | No | Yes | Yes |
Washington D.C. | $25,000 BI liability per person; $50,000 BI liability per accident | $10,000 PD liability per accident | No | Yes | No |
Illinois | $25,000 BI liability per person; $50,000 BI liability per accident | $20,000 PD liability per accident | No | Yes | Yes |
Kentucky | $25,000 BI liability per person; $50,000 BI liability per accident | $25,000 PD liability per accident | $10,000 PIP | Yes | Yes |
Maine | $50,000 BI liability per person; $100,000 BI liability per accident | $25,000 PD liability per accident | $2,000 Medical Payments | Yes | Yes |
Maryland | $30,000 BI liability per person; $60,000 BI liability per accident | $15,000 PD liability per accident | No | Yes | Yes |
Minnesota | $30,000 BI liability per person; $60,000 BI liability per accident | $10,000 PD liability per accident | No | Yes | Yes |
Missouri | $25,000 BI liability per person; $50,000 BI liability per accident | $25,000 PD liability per accident | No | Yes | No |
Nebraska | $25,000 BI liability per person; $50,000 BI liability per accident | $25,000 PD liability per accident | No | Yes | Yes |
New Hampshire; financial responsibility only but limits if you do purchase optional insurance | $25,000 BI liability per person; $50,000 BI liability per accident | $25,000 PD liability per accident | $1,000 PIP | Yes | Yes |
New York | $25,000 BI liability per person; $50,000 BI liability per accident | $50,000 liability for death per person; $100,000 liability for death per accident | $10,000 PD liability per accident; $50,000 PIP | Yes | Yes |
North Carolina | $30,000 BI liability per person; $60,000 BI liability per accident | $25,000 PD liability per accident | No | Yes | Yes |
North Dakota | $25,000 BI liability per person; $50,000 BI liability per accident | $25,000 PD liability per accident | $30,000 PIP | Yes | Yes |
Oregon | $25,000 BI liability per person; $50,000 BI liability per accident | $20,000 PD liability per accident | No | Yes | Yes |
South Carolina | $25,000 BI liability per person; $50,000 BI liability per accident | $25,000 PD liability per accident | No | Yes | Yes |
South Dakota | $25,000 BI liability per person; $50,000 BI liability per accident | $25,000 PD liability per accident | No | Yes | Yes |
Vermont | $25,000 BI liability per person; $50,000 BI liability per accident | $10,000 PD liability per accident | No | Yes | Yes |
Virginia | $25,000 BI liability per person; $50,000 BI liability per accident | $20,000 PD liability per accident | No | Yes | Yes |
West Virginia | $25,000 BI liability per person; $50,000 BI liability per accident | $25,000 PD liability per accident | No | Yes | Yes |
Wisconsin | $25,000 BI liability per person; $50,000 BI liability per accident | $10,000 PD liability per accident | No | Yes | Medpay |
The Cost of Adding UM and UIM to your Insurance Policy
Make sure your coverage is adequate
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Sara Coleman is a former corporate gal turned creative entrepreneur. She began writing professionally several years ago and now contributes to multiple websites, blogs, and magazines. She’s also an avid reader and can’t resist a great historical fiction novel. Sara holds a BA in journalism from the University of Georgia and can be found supporting her Bulldogs every chance she has. She resides in Charlotte, North Carolina, with her wonderfully supportive husband and three children. When she’s not ushering her kids to sports and dance lessons, she can be found creating content for her own website, TheProperPen.com.