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Uninsured Motorist Coverage for Seniors 65+

Uninsured Motorist Coverage pays for your injuries and vehicle damage when you're hit by a driver with no insurance or who flees the scene. For senior drivers 65+, this coverage becomes especially valuable because medical costs after accidents are higher due to age-related injury severity, and uninsured driver rates range from 6% to 29% depending on your state.

Updated April 2026

What Is Uninsured Motorist Coverage Insurance?

How Much Does Uninsured Motorist Coverage Insurance Cost?

  • State uninsured driver rate — Mississippi (29% uninsured) has much higher UM premiums than Maine (6% uninsured)
  • Coverage limits chosen — $25,000/$50,000 UMBI costs less than $100,000/$300,000, but higher limits are recommended for seniors due to elevated medical costs
  • Whether you bundle UMBI and UMPD or purchase separately — some states don't offer UMPD at all
  • Your ZIP code — urban areas with higher hit-and-run rates and uninsured percentages cost more
  • Stacking vs. non-stacking — stacked UM coverage (combining limits across multiple vehicles) costs 15–40% more but provides greater protection for multi-car senior households
  • Carrier — rates for identical UM coverage can vary by $5–$12/month between insurers serving senior drivers

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Who Needs Uninsured Motorist Coverage Insurance?

Related Coverage Types

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