Updated June 2026
What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage fills the gap when the driver who hits you has no insurance or insufficient limits to cover your injuries and vehicle damage. It functions as a backup liability policy—paying your medical bills, lost wages, and repair costs up to your policy limits when the at-fault driver cannot. The coverage applies to hit-and-run incidents where the driver flees, underinsured drivers whose limits are exhausted, and drivers operating illegally without any insurance at all.
- You're stopped at a red light and rear-ended by a driver with no insurance. You have $15,000 in medical bills and $8,000 in vehicle damage. The at-fault driver has no assets to pursue. Your Uninsured Motorist Coverage pays the $15,000 medical expense up to your policy limits. Whether it covers the vehicle damage depends on whether Indiana requires bundled property damage coverage or if you purchased it separately.
- Your parked car is sideswiped overnight and the driver flees. Repair cost is $4,200. Your Uninsured Motorist Property Damage coverage pays the $4,200 minus your deductible, typically $250. Without this coverage, you file under your own collision coverage and pay that deductible instead, or you absorb the full cost if you carry liability-only.
- You're injured in a collision caused by a driver carrying Indiana's minimum $25,000 bodily injury limit. Your medical bills reach $40,000. The at-fault driver's liability pays the first $25,000. Your Underinsured Motorist Coverage—often bundled with Uninsured Motorist—pays the remaining $15,000 up to your policy limits. Without it, you pursue the $15,000 balance out of pocket through civil court.
Who Needs Uninsured Motorist Coverage Insurance?
Drivers reinstating a suspended license in Indiana should carry Uninsured Motorist Coverage because they cannot afford another financial disruption—a hit-and-run or collision with an uninsured driver could generate medical debt or repair costs that prevent maintaining the SR-22 filing or paying reinstatement fees. Drivers without collision or comprehensive coverage rely on Uninsured Motorist Property Damage to cover vehicle repairs when the at-fault driver has no insurance. Drivers in Marion, Lake, or Allen counties face higher uninsured driver rates and benefit from the added protection.
Add Uninsured Motorist Coverage if your health insurance deductible exceeds $2,500, you cannot afford to replace your vehicle out of pocket, or you are reinstating after suspension and need stable coverage to maintain SR-22 filing. Skip it only if you carry comprehensive health and disability benefits and drive a vehicle worth less than your emergency fund balance.
How Much Does Uninsured Motorist Coverage Insurance Cost?
Uninsured Motorist Coverage typically adds $8–$15 per month ($95–$180 annually) to an Indiana auto policy, varying by the limits you select and your county's uninsured driver rate.
- Coverage limits selected—higher bodily injury limits ($50,000, $100,000, or $250,000 per person) increase premium proportionally.
- County uninsured driver density—Marion and Lake counties show higher uninsured rates, increasing actuarial risk and premium cost.
- Whether Uninsured Motorist Property Damage is bundled with bodily injury or purchased separately, and the deductible applied.
- Driving record and violation history—suspended license drivers reinstating with SR-22 pay 15–25% more for all coverages including Uninsured Motorist.
- Stacking election—policies covering multiple vehicles may allow stacked limits, which combine limits across vehicles and cost 30–40% more than non-stacked.
- Carrier pricing variation—GEICO, State Farm, and Progressive price Uninsured Motorist Coverage differently based on internal loss data and state filing strategies.