Uninsured Motorist Coverage by State (2026)
Where uninsured and underinsured motorist coverage is required, must be offered, or can be rejected in writing.
| State | Uninsured motorist coverage |
|---|---|
| Alabama | Alabama law reflects a public policy of requiring minimum amounts of uninsured/underinsured motorist (UM) coverage to be provided in every automobile liability policy (Ala. Code § 32-7-23). In a 2010 bulletin the Department of Insurance said policy "setoff" provisions cannot reduce UM benefits paid below the statutory minimum, which it stated was $25,000 per person. Alabama Department of Insurance, Bulletin No. 2010-04 (Apr. 20, 2010), citing Ala. Code § 32-7-23(a) |
| Alaska | A motor vehicle liability policy must include uninsured/underinsured motorist (UM/UIM) coverage in the same minimum amounts as liability (50/100/25), as a single combined coverage. The insured may reject it in writing; once rejected, it is not added to a renewal or replacement policy unless the insured later asks for it in writing. UM property damage coverage carries a $250 deductible per accident (insurers may offer a different deductible) and covers only the insured vehicle. The Division of Insurance says applicants must receive a written offer, bodily injury and property damage UM must be offered separately, and if the selection or rejection is not signed the policy is issued with UM limits matching the liability limits. Alaska Stat. §§ 28.22.101(e), 28.22.201; Alaska Division of Insurance, Consumer Guide to Automobile Insurance |
| Arizona | Uninsured (UM) and underinsured (UIM) motorist coverage are optional in Arizona, but every insurer writing auto liability policies must offer both by written notice, on a form approved by the Director of Insurance, with limits not less than the policy's bodily injury liability limits, and must include them if the named insured asks. The declarations page sent to the named insured is the final record of the decision to buy or reject the coverage. A new offer is not required when a lapsed policy is reinstated or an existing policy is transferred, modified or renewed. For a hit-and-run with no physical contact, the insured must provide corroboration that the unidentified vehicle caused the accident. Ariz. Rev. Stat. § 20-259.01 |
| Arkansas | Uninsured motorist (UM) coverage must be offered to anyone buying liability coverage and is included in the policy unless the insured signs a statement rejecting it. Insurers must offer UM bodily injury limits up to the liability limits the applicant chooses (Ark. Code Ann. § 23-89-403(3)(A)). UM comes in two parts: bodily injury and property damage; property damage can be bought only with bodily injury and carries a $200 deductible (waived if the same insurer carries collision and UM property damage and the identified uninsured driver is solely at fault). Underinsured motorist coverage, which pays when the at-fault driver's liability limits are too low, is also available. Arkansas Insurance Department, Automobile Insurance brochure |
| California | Insurers must offer uninsured/underinsured motorist coverage; a policyholder who does not want it must sign a waiver stating it was offered and turned down. Uninsured motorist bodily injury limits are the same as the policy's liability limits. Uninsured motorist property damage pays up to $3,500 for damage to your car, only when the uninsured driver is identified. A collision deductible waiver is also available. California Department of Insurance, Automobile Insurance guide |
| Colorado | Auto liability policies must include uninsured/underinsured motorist (UM/UIM) bodily injury coverage unless the named insured rejects it in writing (a transportation network company cannot reject it for periods when its driver is on a prearranged ride). Before issuing or renewing, the insurer must offer UM/UIM limits equal to the insured's bodily injury liability limits (it need not offer higher). After the insured selects limits or declines, the insurer need not re-offer at renewal, though the insured may request more coverage in writing. UM/UIM pays the difference between the at-fault driver's liability limits and the damages, up to the UM/UIM limit, and may not be reduced by setoffs from other coverage such as medical payments or health insurance. Colo. Rev. Stat. § 10-4-609; Colorado Legislative Council, Motor Vehicle Handbook (2024) |
| Connecticut | Uninsured/underinsured motorist (UM/UIM) coverage is required in every auto liability policy, with bodily injury limits at least equal to the state minimums ($25,000/$50,000). Insurers must provide UM/UIM at whatever limits the named insured requests (with the premium paid) and must offer limits equal to twice the policy's bodily injury liability limits. The insured's selection carries over to renewals and replacement policies unless a named insured changes it in writing. Connecticut also offers optional underinsured motorist conversion coverage. Conn. Gen. Stat. §§ 38a-336, 38a-336a; Connecticut Insurance Department, Auto Insurance FAQs |
| Delaware | Auto liability policies on Delaware vehicles must include uninsured (including hit-and-run) motorist coverage for bodily injury and property damage, in at least the state minimum liability amounts, unless a named insured rejects it in writing on the insurer's form; once rejected, it is not added at renewal unless the named insured requests it in writing. UM property damage is subject to a $250 deductible per accident unless the insured and insurer agree otherwise in writing, and includes loss of use. A vehicle counts as uninsured if it has no coverage at the required limits, its insurer denies coverage or becomes insolvent, or it is a hit-and-run vehicle that made physical contact with the insured or the insured vehicle (or a noncontact vehicle whose driver and owner are both unknown). 18 Del. C. § 3902 |
| District of Columbia | Uninsured motorist coverage is mandatory on every policy for vehicles registered or garaged in D.C.: $25,000 per person / $50,000 per accident for bodily injury and $5,000 for property damage with a $200 deductible. An uninsured vehicle includes one with no liability policy, one whose insurer denies coverage or becomes insolvent, and an unidentified (hit-and-run) vehicle. Underinsured motorist coverage is optional: insurers must offer it in amounts up to the uninsured motorist limits; once rejected, it need not be re-offered, and insurers need not keep written rejections. D.C. Code § 31-2406(c-1), (f); DC DMV, Vehicle Insurance |
| Florida | A policy that includes bodily injury liability coverage on a Florida vehicle must include uninsured motorist coverage unless a named insured rejects it in writing, on behalf of all insureds, on a form approved by the Office of Insurance Regulation; the coverage equals the bodily injury liability limits unless lower limits are selected in writing. After a rejection or lower selection, it need not be added at renewal unless requested in writing. Insurers must notify the named insured at least annually of the UM options. The requirement applies to policies that provide bodily injury liability coverage. Fla. Stat. § 627.727(1) |
| Georgia | Every auto liability policy on a vehicle principally garaged or used in Georgia must include uninsured motorist coverage for bodily injury and property damage, at limits of at least $25,000/$50,000 for injury and $25,000 for property, or equal to the policy's liability limits if higher (the insured may choose lower UM limits). The coverage does not apply if a named insured rejects it in writing, and need not be added at renewal with the same insurer after a rejection. Deductibles of $250, $500 or $1,000 are available. The insured may choose between UM coverage that adds on top of the at-fault driver's available liability coverage or (by written selection) coverage that pays only the difference between that coverage and the UM limits. O.C.G.A. § 33-7-11(a) |
| Hawaii | Policies on vehicles registered or principally garaged in Hawaii must include uninsured motorist bodily injury coverage at the policy's bodily injury liability limits (at least $40,000/$80,000) unless a named insured rejects it in writing, and must include underinsured motorist coverage (which insurers offer at limits the insured may select). The Insurance Division says agents and insurers must advise policyholders of their UM and UIM options, including the right to decline in writing. Haw. Rev. Stat. § 431:10C-301(b)(3)-(4); Hawaii Insurance Division, Motor Vehicle Insurance Information |
| Idaho | Auto liability policies on vehicles registered or garaged in Idaho must include uninsured and underinsured motorist coverage at the bodily injury liability minimums, unless a named insured rejects either or both in writing (or in an electronic record); a rejection applies to all insureds and carries over to renewals or replacements with the same insurer or an affiliate. Before a new policy is issued (and at the first renewal of policies effective on or after Jan. 1, 2009), the insurer must give the named insured a standard, Director-approved statement explaining UM and UIM coverage and the forms of UIM available. Idaho Code § 41-2502 |
| Illinois | Uninsured and hit-and-run motorist coverage is mandatory in every Illinois auto liability policy, at least at the state minimum bodily injury limits ($25,000/$50,000). Insurers must include UM coverage equal to the insured's bodily injury liability limits unless the named insured rejects the amount above the state minimum (or selects lower limits) in writing; insurers must give applicants a brief description of the coverage and of this right. The election binds all insureds and carries over to renewals unless the insured later requests more in writing. Underinsured motorist coverage rules are also set out in 215 ILCS 5/143a-2. 215 ILCS 5/143a, 143a-2 |
| Indiana | Each newly written Indiana auto liability policy must include uninsured and underinsured motorist coverage unless the policyholder rejects it in writing. The Department of Insurance lists minimum limits of $25,000/$50,000 for uninsured motorist bodily injury, $25,000 for uninsured motorist property damage, and $50,000 for underinsured motorist bodily injury. Indiana Department of Insurance, Auto Insurance |
| Iowa | Every auto liability policy issued in Iowa for a vehicle registered or principally garaged in Iowa must include uninsured motorist (including hit-and-run) and underinsured motorist coverage for bodily injury or death, with limits at least equal to the state liability minimums ($20,000 per person / $40,000 per accident). The named insured may reject all of this coverage, or just the uninsured/hit-and-run part or just the underinsured part, by a signed written rejection; a rejection on an insurer's or agent's form must be on a separate sheet containing only the rejection. Once rejected, the same insurer need not add it to renewal policies. Iowa Code § 516A.1 |
| Kansas | Uninsured motorist coverage is required in every auto liability policy for a vehicle registered or principally garaged in Kansas, with limits equal to the bodily injury liability limits sold to the named insured, and it must include underinsured motorist coverage. The named insured may reject, in writing, only the portion of UM/UIM coverage above the state minimum bodily injury limits; that rejection binds everyone insured under the policy and carries over to later policies from the same insurer unless the named insured asks in writing for the coverage. K.S.A. 40-284 |
| Kentucky | Every auto liability policy for a vehicle registered or principally garaged in Kentucky must include uninsured motorist coverage at the minimum bodily injury limits ($25,000/$50,000), but any named insured may reject it in writing; the rejection applies to all insureds, and the coverage need not be added to a renewal or replacement policy from the same insurer unless a named insured requests it in writing. An uninsured vehicle includes one whose insurer is insolvent or whose liability limits are below the state minimums. Underinsured motorist coverage must be made available on request; no minimum limit is required. KRS 304.20-020; Kentucky Department of Insurance, Personal Auto Review Requirements Checklist (KRS 304.39-320) |
| Louisiana | Uninsured/underinsured motorist (UM) coverage must be included in every auto liability policy at limits no lower than the policy's bodily injury liability limits, unless a named insured rejects it, selects lower limits, or selects lower-cost "economic-only" UM coverage (which excludes noneconomic losses such as pain and suffering). That choice must be made on a form prescribed by the insurance commissioner and signed by the named insured or a legal representative. UM limits may not be lower than the 15/30 state minimums unless economic-only coverage is chosen. La. R.S. 22:1295(1)(a) |
| Maine | Uninsured/underinsured motorist (UM) coverage is required on every auto liability policy for vehicles registered or principally garaged in Maine. For private passenger policies, UM limits must equal the policy's bodily injury liability limits unless the buyer expressly rejects equal coverage in writing, on a signed and dated insurer form containing statutory language; even then, UM limits may not be lower than the 50/100 state minimums. 24-A M.R.S. §2902(1)-(2) |
| Maryland | Uninsured motorist coverage (which in Maryland includes underinsured motorist coverage) is required in every auto liability policy, at minimums of $30,000/$60,000 for bodily injury and $15,000 for property damage. When a private passenger policy's liability limits exceed the state minimums, UM coverage must equal the liability limits unless the first named insured signs an affirmative written waiver on the Commissioner's form after being told the nature, benefit and cost of the coverage being waived. Insurers also offer optional enhanced underinsured motorist coverage. Md. Code, Ins. §§19-509, 19-510; MIA Consumer Guide to Auto Insurance |
| Massachusetts | Uninsured motorist coverage is required: no auto policy may be issued for a Massachusetts-registered vehicle unless it covers bodily injury caused by uninsured and hit-and-run drivers in at least the amounts required for bodily injury liability. Underinsured motorist coverage (when the at-fault driver's limits are lower than your UM limits) is optional; the policyholder must be notified that it may be purchased. M.G.L. c. 175, §113L(1)-(2) |
| Michigan | Uninsured and underinsured motorist bodily injury coverages are optional in Michigan; they are available from insurers for purchase. They compensate you or a family member for bodily injury and excess wage loss when seriously injured by an at-fault driver who was uninsured or whose liability limits are less than the damages. DIFS, Comprehensive Guide to Auto Insurance (glossary) |
| Minnesota | Uninsured and underinsured motorist coverages are both required: every policy for a vehicle registered or principally garaged in Minnesota must include them separately, each with limits of at least $25,000 per person and $50,000 per accident, and every owner must maintain them. Insurers are not required to provide UM/UIM limits higher than the policy's bodily injury liability limits. Minn. Stat. §65B.49, subd. 3a |
| Missouri | Uninsured motorist coverage is required: no auto liability policy may be issued for a vehicle registered or principally garaged in Missouri unless it includes UM coverage of at least the 25/50 bodily injury minimums, which also covers hit-and-run drivers who cannot be identified. For commercial vehicles and employers with fleets of five or more passenger vehicles, the coverage need only be offered. RSMo §379.203.1 |
| Montana | Uninsured motorist coverage must be included in every auto liability policy for vehicles registered and principally garaged in Montana, at limits of at least 25/50, but the named insured has the right to reject it. According to the CSI, unless you sign a form stating you do not want uninsured motorist coverage, your agent is required by law to provide it. If the coverage was rejected, it need not be included in a renewal by the same insurer unless the named insured asks for it in writing. MCA 33-23-201; CSI Auto Insurance FAQs |
| Nebraska | Uninsured and underinsured motorist coverages are both required in every auto liability policy for a vehicle principally garaged in Nebraska, each at limits of at least $25,000 per person and $50,000 per accident. At the named insured's written request, the insurer must provide higher UM/UIM limits under its rating plan, but not more than $100,000 per person and $300,000 per accident. Neb. Rev. Stat. §44-6408 |
| Nevada | Uninsured motorist coverage (including hit-and-run) must be included in every auto liability policy, at no less than the 25/50 bodily injury minimums, unless a named insured rejects it in writing on an insurer form describing the coverage being rejected. If rejected, it is not added at renewal unless the named insured requests it in writing. NRS 690B.020 |
| New Hampshire | Every motor vehicle liability policy for a vehicle registered or principally garaged in New Hampshire must include uninsured and hit-and-run motorist coverage at least equal to the 25/50 bodily injury minimums. If the insured buys higher liability limits, UM coverage automatically equals those liability limits. Umbrella or excess policies must also provide UM coverage equal to their limits unless the named insured rejects it in writing. RSA 264:15 |
| New Jersey | With the Standard Policy, a minimum amount of uninsured/underinsured motorist coverage is required, and higher limits (up to the amounts selected for liability coverage) may be purchased. The Basic Policy does not include UM/UIM coverage, though some insurers offer it as an option. NJ DOBI, Auto Insurance Buyer's Guide (2026); Everything Auto Insurance (2026) |
| New Mexico | Every auto liability policy for a vehicle registered or principally garaged in New Mexico must include uninsured motorist coverage, which also includes underinsured motorist coverage, at no less than the minimum liability limits for bodily injury and property damage (and up to the policy's liability limits if the insured wants). The named insured has the right to reject UM coverage; if rejected, it need not be added to a renewal by the same insurer unless the named insured asks in writing. UM property damage coverage may exclude the first $250 of loss. NMSA 1978, §66-5-301 |
| New York | Uninsured motorist coverage is required in every New York auto liability policy, at limits of $25,000 per person ($50,000 for death) and $50,000 per accident ($100,000 for death). At the insured's option, the policy must also provide supplementary uninsured/underinsured motorist (SUM) coverage up to the policy's bodily injury liability limits, to a maximum of $250,000 per person and $500,000 per accident (or a $500,000 combined single limit). N.Y. Ins. Law §3420(f)(1)-(2) |
| North Carolina | Uninsured and underinsured motorist coverage is required on all North Carolina auto policies, including policies with limits above the state minimums. Uninsured motorist coverage pays for injuries to you and your passengers, and damage to your car, when an uninsured at-fault driver hits you; underinsured motorist coverage pays the difference between the at-fault driver's liability limits and your UIM limits for injuries (it does not cover property damage). Coverage can be lost if you settle a bodily injury claim without the insurer's written consent. NCDMV, Vehicle Insurance Requirements; NC Department of Insurance, Basic and Miscellaneous Auto Coverages; Automobile insurance: What's covered and what isn't |
| North Dakota | Required. A liability policy on a vehicle registered and principally garaged in North Dakota must include uninsured motorist coverage; the Insurance Department lists the minimum as $25,000 per person/$50,000 per accident. Insurers must also provide underinsured motorist coverage at limits equal to the uninsured motorist coverage. N.D. Cent. Code §§ 26.1-40-15.2, 26.1-40-15.3; North Dakota Insurance Department, Auto |
| Ohio | Optional. An auto liability policy in Ohio may, but is not required to, include uninsured motorist coverage, underinsured motorist coverage, or both. Ohio Rev. Code § 3937.18(A) |
| Oklahoma | Must be offered and is included unless rejected in writing. A liability policy on a vehicle registered or principally garaged in Oklahoma must include uninsured motorist coverage at no less than the minimum bodily injury limits, with higher limits (up to the policy's bodily injury liability limits) offered. The named insured may reject UM coverage in writing; that rejection stays valid for renewals until the insured asks in writing to add it. In Oklahoma, UM coverage includes cases where the at-fault driver's limits are less than the claim (underinsured). 36 Okla. Stat. § 3636 |
| Oregon | Required. Every auto liability policy must include uninsured motorist coverage, with the same limits as the bodily injury liability coverage unless a named insured elects lower limits in writing; limits cannot go below the state minimum ($25,000/$50,000). Uninsured motorist coverage must include underinsured coverage. Or. Rev. Stat. § 742.502 |
| Pennsylvania | Optional. The Insurance Department lists uninsured motorist (UM) and underinsured motorist (UIM) coverage as optional coverages; they cover bodily injury (not property damage) to you, household relatives and passengers. Stacked UM/UIM coverage (combining limits from more than one vehicle or policy) applies unless you reject it, and rejecting stacking lowers premiums. Pennsylvania Insurance Department, Auto Insurance Guide |
| Rhode Island | Required unless reduced in writing. Insurers must provide uninsured motorist bodily injury coverage equal to the insured's bodily injury liability limits; the named insured may choose lower limits in writing, but not below $25,000/$50,000, except that someone buying only the minimum required coverage may reduce it to zero after signing an advisory notice approved by the Department of Business Regulation. Uninsured motorist property damage coverage can be rejected in writing (and is not required if the insured has collision coverage); it carries a $200 deductible unless otherwise agreed. R.I. Gen. Laws § 27-7-2.1 |
| South Carolina | Uninsured motorist (UM) coverage is required at no less than 25/50/25 (including $25,000 for property damage, with a possible $200 exclusion). Insurers must offer additional UM coverage up to your liability limits and must offer underinsured motorist (UIM) coverage up to your liability limits; UIM is optional to buy. S.C. Code §§ 38-77-150, 38-77-160; SC Department of Insurance, Automobile Insurance |
| South Dakota | Required. Every auto liability policy on a vehicle registered or principally garaged in South Dakota must include uninsured motorist (and hit-and-run) coverage and underinsured motorist coverage equal to the policy's bodily injury limits. The required amount does not have to exceed $100,000 per person/$300,000 per accident unless the insured asks for more. S.D. Codified Laws §§ 58-11-9, 58-11-9.4 |
| Texas | Must be offered; can be rejected in writing. Insurers must offer uninsured/underinsured motorist coverage, which pays if you are hit by someone with no insurance or not enough insurance, or in a hit-and-run. If you don't want it, you must tell the company in writing. UM/UIM claims carry a deductible. Texas Department of Insurance, Auto insurance guide |
| Utah | Included unless rejected or reduced in writing. For new policies, uninsured motorist limits must equal the lesser of the named insured's liability limits or the insurer's maximum UM limits, unless the named insured rejects UM coverage or buys a lower amount by signing an acknowledgment form filed with the Insurance Department that discloses the added premium for full limits. The selection or rejection continues until the insured asks in writing to change it. Utah Code § 31A-22-305(4) |
| Vermont | Required. Every auto liability policy on a vehicle registered or principally garaged in Vermont must include uninsured, underinsured and hit-and-run motorist coverage for bodily injury and property damage. New or renewed policies must provide at least $50,000 for one person and $100,000 for two or more people; if the policy's liability limits are higher, UM limits must match unless the policyholder directs otherwise. Property damage coverage pays up to $10,000 per claim, subject to a $150 deductible (waived in some cases when other collision coverage applies). 23 V.S.A. § 941 |
| Virginia | Required. Every auto liability policy must include uninsured motorist coverage at limits equal to the policy's liability limits (and not less than the state minimums), plus underinsured motorist coverage at the same limits. Any one named insured may reject the additional UM coverage above the minimum by notifying the insurer, and that rejection binds all insureds. UIM is paid without credit for the at-fault driver's available coverage unless a named insured opts otherwise. Va. Code § 38.2-2206(A) |
| Washington | Must be included unless rejected in writing. New and renewed auto liability policies must include underinsured motorist coverage (including hit-and-run and phantom vehicles) for bodily injury, death and property damage. A named insured or spouse may reject it in writing; once rejected, it is not added to renewals unless requested in writing. Choosing property damage UIM limits lower than the liability limits does not require a written rejection. Rev. Code Wash. § 48.22.030 |
| West Virginia | Required at no less than the 25/50/25 minimums (the first $300 of uninsured property damage may be excluded). Insurers must also offer optional higher uninsured motorist coverage up to $100,000/$300,000 for bodily injury and $50,000 for property damage, and optional uninsured/underinsured coverage up to the insured's own liability limits. W. Va. Code § 33-6-31 |
| Wisconsin | Uninsured motorist coverage of at least $25,000/$50,000 is required in every auto liability policy. Underinsured motorist coverage is optional: insurers must give one named insured written notice of its availability with a new policy that doesn't include it. Accepting or rejecting UIM after that notice does not need to be in writing, and not paying a UIM premium is conclusive proof that it was rejected. Wis. Stat. § 632.32(4), (4m) |
| Wyoming | Included unless rejected. Every auto liability policy on a vehicle registered or principally garaged in Wyoming must include uninsured motorist coverage for bodily injury and death at the state minimum limits, but the named insured may reject it. Once rejected, it need not be included in renewals by the same insurer unless the named insured asks for it in writing. Wyo. Stat. § 31-10-101 |
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.