Uninsured Motorist Coverage for Teen Drivers
Uninsured Motorist Coverage pays for your teen's injuries and damages when they're hit by a driver with no insurance or who flees the scene.
Compare Teen Driver Insurance RatesWhat Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage pays for your teen's medical bills, lost wages, pain and suffering, and vehicle damage when an at-fault driver has no insurance or insufficient coverage to pay the claim. It also covers hit-and-run accidents where the other driver can't be identified. The coverage follows your policy, so it protects your teen whether they're driving the family car or their own vehicle listed on your policy.
Who Needs Uninsured Motorist Coverage Insurance?
Parents adding any teen driver should carry Uninsured Motorist Coverage at limits matching their liability coverage—inexperienced drivers are more likely to be involved in accidents, including those caused by uninsured motorists. Families with teens driving newer vehicles or those with medical costs not fully covered by health insurance need UM coverage to avoid catastrophic out-of-pocket expenses from someone else's failure to insure.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Teen driver's age and experience level — 16-year-olds pay more than 20-year-olds for the same UM limits
- State requirements — mandatory UM states often have lower rates due to larger insurance pools
- Whether UMPD is separate or included — some states bundle property damage with bodily injury, others charge separately
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