Why Raise Your UM/UIM Limits

Raising your uninsured/underinsured motorist limits is one of the highest-value moves on an auto policy — strong protection against the millions of uninsured and underinsured drivers, usually for a modest premium increase.

The Cheapest Serious Protection You Can Buy

If there's one coverage worth more than drivers think, it's uninsured/underinsured motorist. Raising your UM/UIM limits buys a large amount of protection against a real, common risk — for a premium increase that's often surprisingly small. Here's why it's worth doing.

The Math Doesn't Favor Minimum Limits

Medical care is expensive. A serious crash injury routinely reaches tens or hundreds of thousands of dollars.
Minimum limits are low. Many drivers — and many state minimums — sit at $25,000 per person, a number that hasn't kept pace with medical inflation.
The gap is yours. When an uninsured or underinsured driver injures you beyond their (or your minimum) limits, you absorb the difference: medical debt, lost income, and out-of-pocket pain.

Why Higher Limits Are Affordable

UM/UIM premiums rise far more slowly than the limits do. Going from $25,000 to $100,000 or more in protection typically adds a modest amount per month — because severe claims, while devastating, are statistically less frequent. You're buying a lot of ceiling for a little premium.

A Sensible Target

Match your UM/UIM limits to your liability limits. You're then as protected from others as you are protecting them.
Consider 100/300 or higher if you have meaningful income or assets to protect.
Add stacking (where available) on multi-vehicle households for even more protection.

Protect Your Future Self

The point of UM/UIM is to keep one bad driver's choice from derailing your finances and recovery. Higher limits are how you make that protection meaningful. We help drivers compare their current limits against their real exposure and quote stronger coverage — usually for less than they expect. [Get a quote](/quote) to see your numbers.

What's Covered

Protection beyond state minimums

Covers serious-injury costs

Affordable per-dollar of coverage

Match to liability limits

100/300 and higher options

Stacking where available

Frequently Asked Questions

How much does it cost to raise my UM/UIM limits?

Usually far less than people expect. UM/UIM premiums rise much more slowly than the coverage limits, so moving from state-minimum to 100/300 or higher often adds only a modest amount per month — a small price for a large increase in protection.

What UM/UIM limits do you recommend?

A solid baseline is to match your UM/UIM limits to your liability limits, and to consider 100/300 or higher if you have income or assets to protect. The right number depends on your situation — we help you compare options and quote them.