How Much Is State Farm Uninsured Motorist Coverage? – Uninsured Motorist (UM) coverage is one of those insurance add-ons people ignore—until they really need it. If you ever get hit by a driver with no insurance or not enough insurance, this coverage steps in to protect your finances. But the big question many drivers ask is:
👉 How much is State Farm uninsured motorist coverage?
Good news—State Farm’s UM coverage is surprisingly affordable, and the price depends on a few simple factors. Let’s break it down in a clear, human, beginner-friendly way.
What Is Uninsured Motorist Coverage (UM) With State Farm?
State Farm’s Uninsured Motorist Coverage helps pay for:
- Medical bills
- Lost wages
- Pain and suffering
- Damage caused by a hit-and-run driver
- Costs if the at-fault driver doesn’t have enough liability insurance
It basically protects you, not the other driver.
How Much Is State Farm Uninsured Motorist Coverage? (Average Cost)
On average, State Farm uninsured motorist coverage costs $5–$30 per month, depending on your location and limits.
Here’s a simple breakdown:
| Coverage Type | Average Monthly Cost | Average Yearly Cost |
|---|---|---|
| UM Bodily Injury (UMBI) | $5 – $20 | $60 – $240 |
| Underinsured Motorist (UIM) | $5 – $15 | $60 – $180 |
| UM Property Damage (UMPD – in some states) | $5 – $10 | $60 – $120 |
⭐ Total Estimated Monthly Cost: $10–$30
⭐ Total Estimated Yearly Cost: $120–$360
This makes UM coverage one of the cheapest and most valuable add-ons in State Farm policies.
Why the Price Can Vary (State Farm Rating Factors)
State Farm calculates your UM coverage cost based on:
✔ 1. Your State Laws
Some states require UM coverage. Required = cheaper.
✔ 2. Coverage Limits You Choose
More coverage = slightly higher premium.
Common UM limits:
- $25,000 / $50,000
- $50,000 / $100,000
- $100,000 / $300,000
- $250,000 / $500,000 (high protection)
✔ 3. Your Driving Record
Safe drivers = better rates.
✔ 4. Your Vehicle Type
Newer or luxury vehicles = potentially higher UMPD cost.
✔ 5. Location (City vs Rural)
More accidents or uninsured drivers in your area = slightly higher price.
Is State Farm Uninsured Motorist Coverage Worth It?
YES, 100%.
Here’s why:
🚗 1 in 8 U.S. drivers has zero insurance.
In states like California, Florida, Mississippi, the number is even higher.
Without UM coverage, you could pay out of pocket for:
- Hospital bills
- Car repairs
- Follow-up treatment
- Lost income
A small $10–$30 per month is nothing compared to a $20,000–$100,000 accident bill.
Realistic Example of UM Cost (State Farm)
Let’s say you pick:
- UMBI: $100,000 / $300,000
- UIMBI: $100,000 / $300,000
Your average cost:
👉 $18–$28 per month
If you pick minimum limits:
👉 $8–$12 per month
It’s that affordable.
How to Lower the Cost Even More
You can reduce your State Farm UM cost with:
✔ Safe driver discounts
✔ Bundling (home + auto)
✔ Good student discount
✔ Defensive driving course
✔ Vehicle safety features
✔ Paying 6 months upfront
Even with no discounts, UM coverage remains extremely cheap.
Should You Get the Highest UM Limits?
If you want real protection, yes.
Accidents with uninsured drivers often cause:
- Permanent injury
- Expensive hospital bills
- Months of lost wages
Choosing $250k/$500k UM limits ensures your family is protected—no matter who hits you.
Final Answer: How Much Is State Farm Uninsured Motorist Coverage?
👉 State Farm uninsured motorist coverage typically costs $10–$30 per month ($120–$360 per year).
👉 Pricing depends on limits, location, and driving history.
👉 It is one of the cheapest and most valuable coverages you can add to your auto policy.
If you want real peace of mind—especially in states with high uninsured drivers—this is a must-have coverage.
FAQ For State Farm uninsured mortorist
1. Does State Farm require uninsured motorist coverage?
Some states require it by law. In others, it’s optional but highly recommended.
2. Is uninsured motorist coverage expensive with State Farm?
No. It’s one of the cheapest coverages, usually less than $1/day.
3. Does UM cover hit-and-run accidents?
Yes. State Farm’s UM coverage typically includes hit-and-run protection.
4. Is UM coverage the same as full coverage?
No. UM only protects you from uninsured drivers, not all accidents.
5. Do I need both UM and UIM?
Yes. Many drivers have insurance—but not enough.
UIM protects you from underinsured drivers.