Best Uninsured Motorist (UM) Coverage Car Insurance Company (2024)

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 auto policy.

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

However, your age, ZIP code, and driving record all can significantly influence your car insurance rates.

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

Ready to find the most affordable uninsured motorist auto 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

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 people of all driving experience and offers a large selection of stackable discounts  customers can earn, and valuable coverage options to choose from. 

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 what auto insurance quote you will see, including your age, ZIP code, and driving record. A teen driver will have a hard time finding cheap car insurance, while a senior driver will usually qualify for multiple discounts, for example. 

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

• Allstate car insurance company
• Liberty Mutual car insurance company
• Nationwide car insurance company
• Progressive car insurance company
• Travelers car insurance company

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.

How does uninsured motorist coverage work?

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

Otherwise, you must pursue legal action, or you’re responsible for the coverage for 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 auto repair or replacing your vehicle or other damage to 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 insurance policy 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

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 required coverage limits by states in the table below.

Uninsured Motorist Coverage Limits Required by State

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 types of coverages to avoid complications with your medical bills.

Case Studies: Best Uninsured Motorist (UM) Coverage Car Insurance Company

Case Study 1: Alex’s Affordable UM Coverage With GEICO

Alex, a responsible driver who understands the risks of uninsured motorists, was searching for car insurance that would provide affordable UM coverage. After comparing quotes from various insurance providers, Alex found that GEICO offered competitive rates for UM coverage.

Impressed by their affordability and positive customer ratings, Alex decided to choose GEICO as the car insurance provider.

Case Study 2: Sarah’s Reliable UM Coverage With State Farm

Sarah, a cautious driver concerned about the increasing number of uninsured motorists, wanted a reliable car insurance company that offered UM coverage. After thorough research, she discovered that State Farm was highly regarded for its UM coverage and customer loyalty discounts.

Sarah appreciated the combination of reliable coverage and potential savings, which led her to choose State Farm as her car insurance provider.

Case Study 3: John’s Military Eligibility for USAA’s UM Coverage

John, a military personnel member, was looking for car insurance with UM coverage that catered to his specific needs. After exploring various options, John discovered that USAA offered low-cost car insurance with excellent UM coverage exclusively for military personnel.

Impressed by their dedication to serving military members, John decided to go with USAA as his car insurance provider.

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

If you can reasonably afford it, it is typically worthwhile to invest in additional coverages by adding 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.