Relatively speaking, uninsured/underinsured motorist insurance is cheap. Most sources put it at anywhere from 3-5% of your total insurance bill. So, for example, if your insurance bill is $1,300 annually, the UIM portion is less than $6 per month.
There are 14 states that require UIM as part of their state-required minimum car insurance. These states are Connecticut, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, New Hampshire*, North Dakota, Oregon, South Carolina, South Dakota, Vermont and West Virginia.
It’s always a good idea to do some car insurance comparison shopping. Freeway Insurance will do the work for you and gather quotes from different companies based on your needs and budget.