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Uninsured Motorist Coverage — Arizona

Uninsured and underinsured motorist coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance or not enough to cover your losses.

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What Is Uninsured and Underinsured Motorist Coverage Insurance?

Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) protect you when another driver causes a crash but can't pay for the damage. UM applies when the at-fault driver has no insurance at all. UIM applies when they have insurance, but their liability limits are too low to cover your medical bills, lost wages, or vehicle repair costs. Both coverages pay through your own insurance carrier, not the other driver's.

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Who Needs Uninsured and Underinsured Motorist Coverage Insurance?

You should carry UM and UIM coverage if you drive frequently in areas with high uninsured driver rates, if you can't afford to pay medical bills or vehicle repairs out of pocket after a crash, or if you carry liability-only insurance and want protection for your own injuries. It's also critical if you finance or lease a vehicle—gap insurance won't help if the at-fault driver has no coverage and you're left owing more than the car is worth.

If your health insurance has high deductibles or doesn't cover lost wages, UM bodily injury coverage fills that gap.

How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?

  • Coverage limits you select—higher UM/UIM limits cost more but close larger gaps when the other driver's insurance falls short.
  • Your ZIP code—areas with higher uninsured driver rates or more frequent hit-and-run claims see higher UM premiums.
  • Whether you stack coverage—stacking UM limits across multiple vehicles on one policy increases the total available coverage and raises the premium.
  • Your carrier's claims experience—insurers that pay more UM claims in Arizona adjust pricing to reflect that risk.
  • Bundling with collision and comprehensive—carriers often discount UM when you carry full coverage rather than liability-only.

Related Coverage Types

A woman with wavy brown hair and sunglasses pushed onto her head sits in a car's driver seat, holding a phone to her ear with one hand while looking out the side window.Non-Owner Car Insurance→A man in a black cap and dark fleece jacket sits in the driver's seat of a van, pulling the seat belt across his chest toward the buckle, with a steering wheel at right and a toolbox at lower left.Liability Insurance→Driver's-eye view from inside a car at night, with two hands gripping the steering wheel, an illuminated instrument cluster behind it, and blurred road and street lights through the windshield.Minimum Coverage Car Insurance→A hand holds a black flip car key above a wooden table with printed documents, a pen, a calculator and stacked folders, in front of a blurred kitchen interior.Personal Injury Protection→
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