Estimate UM/UIM cost
UM/UIM bodily injury (matching limits)$54/yr
UM property damage ($250 ded.)$45/yr
Estimated total$99/yr
Formula
Annual UM/UIM cost ≈ 4–7% of liability premium per matching limit tier. Property damage UM ≈ $25–$60/year with $250 deductible.
How to use it
- Identify your current liability limits
- Request a quote for matching UM/UIM bodily injury limits
- Add UM property damage ($25 deductible required by Texas)
- Compare to your liability premium — typical add is 4–7%
Worked example
100/300 liability premium $900 → add 100/300 UM/UIM for ~$55, plus UM property damage ~$40 = $95/year total.
Frequently asked questions
Is UM/UIM required in Texas?
No — but insurers must offer it. You can reject it in writing.
Does UM cover hit-and-run?
Yes — UM bodily injury covers hit-and-run drivers in Texas.
This calculator is for educational estimation only. For a binding quote, talk to a licensed Texas insurance agent or request a free quote.