What is stacked insurance? In short, it all revolves around uninsured and underinsured motorist coverage and maximizing the most out of these coverages if a claim were to occur. If you suspect you live in an area where many people are driving without the proper amount of liability protection, or no coverage at all, it may be worth your while to consider stacking your coverage.


Compare rates and save on auto insurance today!

ZIP code
Close X
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age

Save on auto insurance with quotes from trusted providers like:


Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?


Safe drivers choose Allstate®

Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

However, to stack your uninsured and underinsured motorist coverage, you must live in a state where stacking is available.

What is stacked car insurance?

Stacked insurance is a way to increase your uninsured and underinsured motorist coverage by combining (or stacking) the limits from each vehicle you own. If you do this, you’ll get a greater amount of financial protection if you get into an accident with a driver who only has your state’s minimum liability coverage (or none at all).

There are two ways to stack your protection— insuring all of your cars on one policy or combining policies.

Stacked car insurance on one policy

While not all states allow drivers to combine uninsured/underinsured motorist coverage, many states do. To effectively stack car insurance in one policy, you would need to have at least two vehicles on the same policy. In the insurance world, this is referred to as vertical stacking.

For example, let’s say the policy has $25,000 for uninsured motorist bodily injury protection. If you stack your coverage and are insuring two vehicles on your policy, your uninsured motorist bodily injury coverage would extend up to $50,000 per accident. If you had three vehicles on your policy, it would be up to $75,000 for this coverage per accident.

A way to remember stacking in this scenario is that stacking is your uninsured/underinsured motorist coverage limit multiplied by the number of vehicles on your policy. This calculated amount would generally be your new, stacked coverage limit.

Stacked car insurance on multiple policies

Some states also allow the stacking of uninsured and underinsured motorist protection for vehicles that are a part of the same household if your name is on both policies (note: this is called horizontal stacking in the industry). For example, if you own and insure a car, and your spouse does the same thing for themself, you may be able to combine your coverage if 1) you get into an accident with an uninsured/underinsured driver, and 2) your name is on both policies even if you aren’t the primary policyholder for the other policy.

For example, suppose you have $25,000 in uninsured motorist coverage, and your spouse also has the same amount of coverage. In that case, you may be able to have $50,000 worth of coverage after an accident involving an uninsured driver.

What is unstacked car insurance?

Unstacked car insurance is the opposite of stacked car insurance— meaning your uninsured and underinsured motorist coverage limits are not combined even if you insure multiple vehicles or live with another driver who insures their vehicle. If your car insurance is unstacked, then you would receive up to the uninsured and underinsured coverage limits listed on your policy’s declarations page.

Though stacking may sound like something everyone should do if given the option, there is a disadvantage to stacking car insurance: you pay a higher auto insurance premium. This is because your insurer will be liable for a higher claims payout if you get into an accident.

The advantage to stacking car insurance is simple: you receive more money if you’re in an accident with an uninsured/underinsured driver.

What states allow car insurance stacking?

The following states allow both single policy and multiple policy stacking:

  • Alabama
  • Arkansas
  • Colorado
  • Florida
  • Hawaii
  • Indiana
  • Kentucky
  • Mississippi
  • Missouri
  • Montana
  • Nevada
  • New Hampshire
  • New Mexico
  • Ohio
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Vermont
  • Virginia
  • West Virginia
  • Wisconsin
  • Wyoming

States that only allow multiple policy stacking:

  • Delaware
  • Georgia
  • New Jersey
  • New York
  • North Carolina
  • Oklahoma
  • Oregon
  • Tennessee
  • Texas
  • Utah

If your state has a high amount of uninsured motorists, it may be worth your while to consider stacking your coverage if possible.

Frequently asked questions

Is stacked or unstacked insurance better?

It depends on each driver. Are you looking for the maximum amount of coverage, or are you looking for coverage at the cheapest price? You’ll likely save money by leaving your uninsured/underinsured motorist coverage unstacked, but you’ll get the maximum amount of coverage by stacking.

What is the average cost of stacking?

The average cost of insurance varies on many factors, and stacking is a relatively small variable amidst an ocean of possibilities. A better question might be, how much insurance do you need? For many people, it boils down to balancing protecting their assets and saving money.