Auto Uninsured/Underinsured Motorist Coverage Calculator 2027

Calculate uninsured (UM) and underinsured motorist (UIM) coverage needs for 2027 — protects when at-fault driver has no insurance or insufficient limits.

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UM vs UIM Difference

UM: at-fault driver has NO insurance. UIM: at-fault driver has insurance but limits too low to cover your injuries. Both written together typically. Some states stacked, some not.

Why State Minimums Fail

Most states min $25k UM. A broken leg surgery + 6 weeks lost work easily exceeds $50k. Concussion with rehab = $100k+. State minimum is for the at-fault driver's wallet protection, not yours.

Match Liability Coverage

If you carry $250k liability, match $250k UM/UIM. Reasoning: you're equally injured whether at-fault or victim. Equal coverage = consistent protection level.

13% of US Drivers Uninsured

Per Insurance Research Council. Higher in some states (Mississippi 30%, NM 25%, MI 22%). Hit-and-run = treated as UM claim too. Even responsible drivers regularly hit uninsured.

Source: iii.org auto insurance studies, naic.org coverage analysis. Last updated: May 2026.