Short answer: Some states require uninsured motorist (UM) coverage on every auto policy, usually at the state's minimum liability limits, such as $25,000 per person and $50,000 per accident. Most other states require insurers to include or offer it, and you can turn it down only in writing. Ohio and Michigan leave it optional. Underinsured motorist (UIM) coverage is required in fewer states and is often part of UM coverage. This table shows each state's rule with a link to the law.
The table
| State | Uninsured motorist (UM) | Underinsured motorist (UIM) | Minimum UM, if required | Source | Guide |
|---|---|---|---|---|---|
| Alabama | Included unless you reject it in writing | Part of UM coverage | — | Ala. Code §32-7-23 | Guide |
| Alaska | Included unless you reject it in writing | Part of UM coverage | — | AS 28.22.201 | Guide |
| Arizona | Must be offered | Must be offered | — | A.R.S. §20-259.01 | Guide |
| Arkansas | Included unless you reject it in writing | Must be offered | — | Ark. Code §23-89-403 | Guide |
| California | Included unless you reject it in writing | Part of UM coverage | — | Cal. Ins. Code §11580.2 | — |
| Colorado | Included unless you reject it in writing | Part of UM coverage | — | C.R.S. §10-4-609 | Guide |
| Connecticut | Required | Required | $25,000/$50,000 | C.G.S. §38a-336 | Guide |
| Delaware | Included unless you reject it in writing | Must be offered | — | 18 Del. C. §3902 | Guide |
| Florida | Included unless you reject it in writing | Part of UM coverage | — | Fla. Stat. §627.727 | — |
| Georgia | Included unless you reject it in writing | Part of UM coverage | — | O.C.G.A. §33-7-11 | Guide |
| Hawaii | Included unless you reject it in writing | Must be offered | — | HRS §431:10C-301 | Guide |
| Idaho | Included unless you reject it in writing | Included unless you reject it in writing | — | Idaho Code §41-2502 | Guide |
| Illinois | Required | Included when UM is above the minimum | $25,000/$50,000 | 215 ILCS 5/143a | Guide |
| Indiana | Included unless you reject it in writing | Included unless you reject it in writing | — | Ind. Code §27-7-5-2 | Guide |
| Iowa | Included unless you reject it in writing | Included unless you reject it in writing | — | Iowa Code ch. 516A | Guide |
| Kansas | Required (only limits above the minimum can be rejected) | Part of UM coverage | $25,000/$50,000 | K.S.A. 40-284 | Guide |
| Kentucky | Included unless you reject it in writing | Must be offered | — | KRS 304.20-020 | Guide |
| Louisiana | Included unless you reject it in writing (state form) | Part of UM coverage | — | LDI Bulletin 08-02 | — |
| Maine | Required | Part of UM coverage | $50,000/$100,000 | 24-A M.R.S. §2902 | Guide |
| Maryland | Required | Part of UM coverage | $30,000/$60,000 | Md. Ins. Code §19-509 | Guide |
| Massachusetts | Required | Optional | $25,000/$50,000 (policies from July 1, 2025) | Mass. DOI mandatory limits notice | — |
| Michigan | Optional | Optional | — | DIFS auto insurance FAQ | Guide |
| Minnesota | Required | Required | $25,000/$50,000 | Minn. Stat. §65B.49 | Guide |
| Mississippi | Included unless you reject it in writing | Part of UM coverage | — | Miss. Code §83-11-101 | Guide |
| Missouri | Required | Optional | $25,000/$50,000 | RSMo §379.203 | Guide |
| Montana | Included unless you reject it | — | — | MCA §33-23-201 | Guide |
| Nebraska | Required | Required | $25,000/$50,000 | Neb. Rev. Stat. §44-6408 | Guide |
| Nevada | Must be offered | Must be offered | — | NRS 687B.145 | Guide |
| New Hampshire | Required in every auto policy (insurance itself isn't mandatory) | Part of UM coverage | Equal to your liability limits | RSA 264:15 | — |
| New Jersey | Required on the Standard Policy (not the Basic Policy) | Required on the Standard Policy | $35,000/$70,000 (from Jan. 1, 2026) | N.J.S.A. 17:28-1.1 | — |
| New Mexico | Included unless you reject it in writing | Part of UM coverage | — | NMSA §66-5-301 | Guide |
| New York | Required | Supplementary UM/UIM must be offered | $25,000/$50,000 | N.Y. Ins. Law §3420(f) | Guide |
| North Carolina | Required | Required (from July 1, 2025) | $50,000/$100,000 | G.S. 20-279.21 | Guide |
| North Dakota | Required | Required | $25,000/$50,000 | N.D.C.C. ch. 26.1-40 | Guide |
| Ohio | Optional | Optional | — | Ohio Rev. Code §3937.18 | Guide |
| Oklahoma | Included unless you reject it in writing | Part of UM coverage | — | 36 O.S. §3636 | Guide |
| Oregon | Required | Part of UM coverage | $25,000/$50,000 | ORS 742.502 | Guide |
| Pennsylvania | Must be offered (rejection on the state form) | Must be offered (rejection on the state form) | — | 75 Pa.C.S. §1731 | Guide |
| Rhode Island | Included unless you reject it in writing | Part of UM coverage | — | R.I. Gen. Laws §27-7-2.1 | Guide |
| South Carolina | Required | Must be offered | $25,000/$50,000 plus $25,000 property damage | S.C. Code §38-77-150 | Guide |
| South Dakota | Required | Required | $25,000/$50,000 | SDCL 58-11-9 | Guide |
| Tennessee | Included unless you reject it in writing | Part of UM coverage | — | T.C.A. §56-7-1201 | Guide |
| Texas | Included unless you reject it in writing | Part of UM coverage | — | Tex. Ins. Code §1952.101 | — |
| Utah | Included unless you reject it in writing (insurer form) | Included unless you reject it in writing | — | Utah Code §31A-22-305 | Guide |
| Vermont | Required | Part of UM coverage | $50,000/$100,000 | 23 V.S.A. §941 | Guide |
| Virginia | Required | Part of UM coverage | $50,000/$100,000 (policies from Jan. 1, 2025) | Va. Code §38.2-2206 | Guide |
| Washington | Included unless you reject it in writing (UIM coverage also covers uninsured drivers) | Part of UM coverage | — | RCW 48.22.030 | Guide |
| Washington, D.C. | Required | Not required | $25,000/$50,000 | D.C. Code §31-2406 | Guide |
| West Virginia | Required | Must be offered | $25,000/$50,000 | W. Va. Code §33-6-31 | Guide |
| Wisconsin | Required | Optional | $25,000/$50,000 | Wis. Stat. §632.32(4) | Guide |
| Wyoming | Included unless you reject it | — | — | W.S. ch. 31-10 | Guide |
"—" in the minimum column means the coverage isn't mandatory, so there's no required minimum. Where it's included or offered, insurers generally offer it up to your liability limits. "—" in the UIM column means we didn't confirm a separate UIM rule.
How to read it
- Required: every policy must include it, and you can't reject it below the minimum.
- Included unless you reject it in writing: it's in your policy by default. Many states require a signed form to remove it.
- Must be offered: the insurer has to offer it, and you choose.
- These rules cover bodily injury. Uninsured motorist property damage rules vary.
Download and embed
- CSV: uninsured-motorist-requirements-by-state.csv
- Embed: copy the iframe code from the box below the table and keep the source link.
Methodology
Each row was checked against the state's statute, regulation or insurance regulator in October 2026. Minimums changed recently in several states, including Massachusetts, North Carolina, Virginia and New Jersey. This is general information, not legal advice. See also our state insurance rules hub.
Questions? Contact Alishahi Insurance or call (877) 711-4545.
Frequently asked questions
Which states require uninsured motorist coverage?
Those marked Required in the table, such as Connecticut, Illinois, Minnesota, New York and Virginia. Most other states include or offer it and let you reject it in writing.
Can I reject uninsured motorist coverage?
In many states, yes, but usually only in writing, sometimes on a state form. In states marked Required, you can't reject it below the minimum.
Is UIM the same as UM?
No. UM pays when the at-fault driver has no insurance. UIM pays when their insurance is too low for your injuries. Many states combine them.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.