State Farm uninsured motorist coverage typically costs between $5 and $15 per month for most drivers, though the exact price depends on your state, coverage limits, and personal risk factors. This add-on protection is relatively affordable compared to other coverage types, but premiums vary significantly based on where you live and the limits you select. This article explains typical costs, what affects your rate, state requirements, and key questions to consider when adding this coverage to your State Farm auto policy.
Typical Cost Range for State Farm UM Coverage
Uninsured motorist (UM) coverage from State Farm generally falls in the $5 to $15 per month range for standard bodily injury limits. Some sources report average UM/UIM (combined uninsured and underinsured motorist) coverage around $5 to $7 per month for typical limits like 25/50 (meaning $25,000 per person and $50,000 per accident). At higher limits, such as 100/300, costs may rise to roughly $7 to $11 per month on average across insurers, with State Farm often near the middle of the market.
Broader industry data shows State Farm’s UM/UIM coverage averaging about $115 per month when bundled with other coverages in full-coverage policies, but that figure reflects the entire policy, not UM alone. When isolated as an add-on to a liability-only or minimum-coverage policy, UM coverage typically adds only a modest amount—often in the single or low double digits per month.
Keep in mind that these are averages. Your actual premium could be lower or higher depending on several factors explained below.
What Affects Your State Farm UM Coverage Cost
Several key factors influence how much you’ll pay for uninsured motorist coverage with State Farm:
- Your state of residence: Insurance regulations, uninsured driver rates, and claim costs vary widely by state, directly affecting UM premiums.
- Coverage limits you choose: Higher per-person and per-accident limits increase your premium. Selecting UM limits that match your liability coverage (a common recommendation) will cost more than minimum state-required limits.
- Whether you add property damage coverage: Uninsured motorist property damage (UMPD) is separate from bodily injury (UMBI) and adds to the cost if available in your state.
- Your driving record and risk profile: Accidents, tickets, claims history, age, and even credit-based insurance scores (where permitted) affect your overall rate, including UM add-ons.
- Other policy choices: Deductibles, bundling discounts, vehicle type, and annual mileage can indirectly influence the UM portion of your premium by changing your overall risk assessment.
In states with high numbers of uninsured drivers, such as California, Florida, or Texas, UM coverage may be priced higher due to greater expected claim frequency. Conversely, in states with lower uninsured driver rates or stricter insurance enforcement, UM premiums may be relatively lower.
State Requirements and Availability
Uninsured motorist coverage is not treated the same in every state. Some states require it, some require insurers to offer it (with an option to reject in writing), and others make it entirely optional.
- Required states: In certain states, UM bodily injury coverage is mandatory as part of your auto insurance policy.
- Offer-but-not-required states: Many states, including California, require insurers like State Farm to offer UM/UIM coverage at limits matching your liability coverage by default, but you can decline or select lower limits in writing.
- Optional states: In other jurisdictions, UM coverage is completely optional, and you must specifically request it.
State Farm must comply with local regulations, so the availability, default limits, and pricing of UM coverage will reflect your state’s rules. For example, California’s minimum UM limits start at $15,000 per person and $30,000 per accident, mirroring the state’s liability minimums. If you choose higher limits, your premium will increase accordingly.
Because UM coverage rules and costs are state-specific, the best way to know your exact price is to request a quote from a State Farm agent or use their online tools with your address and desired limits.
UM Bodily Injury vs. Property Damage Coverage
State Farm, like most insurers, separates uninsured motorist coverage into two main types:
- Uninsured Motorist Bodily Injury (UMBI): Covers medical expenses, lost wages, and pain and suffering for you and your passengers if an uninsured or hit-and-run driver causes an accident.
- Uninsured Motorist Property Damage (UMPD): Pays for damage to your vehicle caused by an uninsured driver, subject to a deductible in many states.
Not all states offer or allow UMPD, and where it is available, it typically costs extra beyond UMBI. Some states substitute UMPD with “collision coverage with a deductible waiver” for hit-and-run incidents instead.
When people ask “how much is State Farm uninsured motorist coverage,” they’re often referring to UMBI, which is the more commonly purchased and widely available form. Adding UMPD, if available, will increase your monthly premium beyond the base UMBI cost.
Is State Farm UM Coverage Worth the Cost?
For most drivers, adding uninsured motorist coverage is considered a cost-effective way to protect against a significant financial risk. Approximately one in eight drivers nationwide is estimated to be uninsured, and that number is higher in some states. If you’re hit by one of these drivers and don’t have UM coverage, you could be left paying medical bills and lost income out of pocket, even if you have health insurance (which may not cover all accident-related costs like deductibles, co-pays, or non-medical losses).
Given that UM coverage often costs only $5 to $15 per month, many financial advisors and insurance experts view it as a high-value add-on, especially if you carry higher liability limits or live in a state with many uninsured drivers. State Farm’s UM coverage is frequently rated among the better options due to its competitive pricing, strong financial stability, and widespread agent network for claims support.
That said, if you already have robust health insurance, disability coverage, and collision insurance with a low deductible, you may decide that minimum UM limits (or declining it, where allowed) makes sense for your situation. Always review your full coverage picture before making a decision.
How to Get an Exact Quote for Your Situation
Because UM coverage costs depend heavily on your location, limits, and personal profile, the only way to know your exact State Farm premium is to get a personalized quote. You can:
- Contact a local State Farm agent, who can explain your state’s UM rules and provide tailored pricing.
- Use State Farm’s online quote tools, entering your address, vehicle, driving history, and desired UM limits.
- Ask specifically about the cost difference between minimum UM limits and limits that match your liability coverage.
When requesting a quote, clarify whether the price includes both UMBI and UMPD (if available), and confirm whether the UM coverage is stacked or non-stacked, as this can affect both cost and claim payouts.
Since State Farm’s rates are competitive but not always the cheapest in every state, it can also be worthwhile to compare UM pricing from a few other insurers if cost is your primary concern.
