Uninsured Motorist Coverage — Idaho
Uninsured motorist coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or insufficient coverage to pay your claim.
Free to compare
What Is Uninsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) pays for your injuries and, in some policies, your vehicle damage when the at-fault driver has no insurance or flees the scene. UM coverage also extends to hit-and-run crashes where the at-fault driver is never identified.
Who Needs Uninsured Motorist Coverage Insurance?
You should carry UM coverage if you're reinstating after suspension and will be driving regularly in Boise, Idaho Falls, Pocatello, or any area with heavy commuter traffic where uninsured driver risk is higher. If you're required to carry an SR-22 and are adding coverage to a vehicle you'll actually drive, UM at the same limit as your liability coverage is the standard recommendation.
If you're only maintaining SR-22 to satisfy state filing requirements and won't be driving, UM on a non-owner policy is optional unless you regularly ride as a passenger.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your UM coverage limit—matching your liability limit costs more but provides proportional protection if you're hit by an uninsured driver with a serious injury claim.
- Your ZIP code—Boise, Idaho Falls, and Nampa have higher uninsured driver rates and correspondingly higher UM premiums than rural counties.
- Your driving record—a suspended license or SR-22 filing increases your base premium, and UM cost scales with that higher base even though UM itself isn't risk-rated separately.
Related Coverage Types
