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Uninsured Motorist Coverage After DUI

Uninsured Motorist Coverage pays your medical bills and vehicle damage when someone without insurance hits you.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured Motorist Coverage pays for your injuries and property damage when an at-fault driver has no insurance or insufficient coverage to pay your claim. It functions as a backup policy attached to your own auto insurance, stepping in when the other driver's liability coverage doesn't exist or falls short. For DUI-SR-22 filers in the non-standard market, this coverage addresses a real risk: uninsured driver rates are higher among non-standard policyholders, meaning the drivers you share the road with after a DUI conviction are statistically less likely to carry adequate coverage.

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Who Needs Uninsured Motorist Coverage Insurance?

DUI-SR-22 filers in the non-standard market face higher uninsured driver exposure because the drivers around you are statistically more likely to carry minimum liability or no insurance at all.

If budget forces a choice, prioritize Uninsured Motorist Bodily Injury over Property Damage because medical bills from a serious accident will exceed vehicle repair costs, and you can't discharge injury debt as easily as you can replace a totaled car.

How Much Does Uninsured Motorist Coverage Insurance Cost?

Your state's uninsured driver rate — states with higher uninsured motorist populations price UM coverage higher because claim frequency is statistically greater.
Whether your state mandates Uninsured Motorist Coverage or allows rejection — mandatory states build the cost into base premiums, while opt-out states charge it as a separate endorsement.
Your selected UM limits relative to your liability limits — matching your UM coverage to your liability limits costs more but closes the protection gap if you're hit by an uninsured driver.
Your conviction class and filing period — repeat-offense DUI convictions with longer SR-22 filing periods face higher UM premiums because the extended filing window correlates with higher overall risk classification.
Your carrier's non-standard market tier — high-risk carriers like The General and Safe Auto price UM coverage aggressively because their policyholder pool has higher uninsured driver exposure than mainstream carriers.

Related Coverage Types

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SR-22 Insurance→

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Liability Insurance→

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SR-22 Insurance

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Collision Coverage

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Find an Insurer That Will File After a DUI

Get SR-22 Coverage After a DUI