14% of drivers in Texas have no insurance at all. If one of them hits you, uninsured/underinsured motorist coverage (UM/UIM) pays for your injuries and vehicle damage. It's one of the most important coverages you can add — and one of the cheapest, typically adding just $10-$25/month.
(888) 217-6781Imagine you're stopped at a red light and an uninsured driver rear-ends you. Without UM/UIM coverage, you could be stuck paying your own medical bills and car repairs — even though you did nothing wrong. In Texas, with 14% uninsured drivers, this scenario is far too common.
Texas uses an at-fault system, meaning the at-fault driver pays for damages — but if they have no insurance, UM/UIM is your backup. While requirements vary, adding UM/UIM to your Texas policy is one of the smartest insurance decisions you can make.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $858 | $143/mo |
| GEICO | $978 | $163/mo |
| Progressive | $1,104 | $184/mo |
| State Farm | $1,206 | $201/mo |
| Allstate | $1,470 | $245/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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