Auto InsuranceGlossary
UM/UIM (Uninsured / Underinsured Motorist)
Coverage that pays when you're hit by a driver with no insurance or insufficient insurance.
Critical coverage given that ~12% of U.S. drivers are uninsured (higher in some states). UM/UIM typically costs $30-$80/year and is some of the cheapest insurance you can buy relative to the risk.
Should you care?
Should you care about UM/UIM (Uninsured / Underinsured Motorist)?
When you need it
Critical in states with high uninsured-driver rates (FL, MS, NM, TN, MI all above 18%). Pays for YOUR injuries and damage when the at-fault driver has no insurance or can't be found (hit-and-run).
What it costs you
Typically $50-$150/yr added to your policy. Best dollar-per-dollar protection after liability — even a moderate ER visit after a no-insurance crash runs $5,000-$15,000.
Put it into practice
Where UM/UIM matters on CarSavr.
Referenced in
Where UM/UIM fits in the bigger picture.
Pillar guide · Auto Insurance
Auto Insurance in 2026 — The Complete Guide
Coverage decisions, premium drivers, discount stacking, and how to comparison-shop without leaking your data.
Related terms
Put it into practice