Estimate UM/UIM cost
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.
Guides and coverage behind this calculator
Protects you when the at-fault driver has no insurance.
Bridges the gap when the at-fault driver's limits are too low.
Roughly 1 in 7 Texas drivers is uninsured. Here's how UM/UIM coverage protects you when they hit you.
Fines, surcharges, license suspension, vehicle impound – every penalty Texas can apply for driving uninsured, and how to avoid them.
Hit and run crashes are common in El Paso. Here is how your insurance covers them, how to report them, and what you can recover.
Roughly 14% of Texas drivers carry no insurance. Here is what happens when one hits you – and how UM/UIM coverage protects you.
Every calculator lives in our El Paso insurance calculator hub. When you're ready for real numbers, compare auto insurance in El Paso or ask for a free policy review.
This calculator is for educational estimation only. For a binding quote, talk to a licensed Texas insurance agent or request a free quote.