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Personal Umbrella Car Insurance (Compare Quotes)

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 28, 2021

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Key Takeaways

  • Umbrella insurance is a type of liability insurance that provides coverage above your other policy limits
  • Umbrella insurance may cost between $150 and $300 for $1 million in coverage, $75 more for an additional million, and $50 for every million after that
  • Umbrella insurance can be helpful for those who have already reached their maximum coverage amounts

Personal umbrella car insurance is an affordable liability insurance policy, but the requirements for getting it may be confusing.

What does liability insurance cover? Many claims including physical injuries to other people, pain and suffering, lost wages, and more.

Many people can benefit from it, but it is often a personal choice whether or not to purchase it. Below, we’ll discuss what it covers and if you should buy it.

Enter your ZIP code into our quote comparison tool above to get personal umbrella car insurance quotes for free.

What is umbrella insurance?

An umbrella insurance policy is a type of liability insurance that provides coverage above your other policy limits. They are meant to be used for large accidents that exhaust the limits of your car insurance policy.

In general, an umbrella policy will provide coverage for injuries, property damage, certain lawsuits, and some personal liability situations.

However, it doesn’t usually cover damage to your property, intentional or criminal damage, or damage caused while under contract.

How much is personal umbrella insurance?

According to the Insurance Information Institute, personal umbrella car insurance rates are as follows:

Average Personal Umbrella Insurance Rates
Personal Umbrella Coverage AmountAnnual Rate
$1 million$150 - $300
$2 million$225 - $375
$3 million$275 - $425
$4 million$325 - $475
$5 million$375 - $525
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Each million in coverage after that will cost about $50 more. However, your rates can also change based on your location and how much risk you present to the personal umbrella car insurance company.

The more homes or cars you own, and the more family members your policy covers, the higher your rates will be.

Umbrella insurance is considered cheap car insurance compared to other types of insurance because it requires that you already have insurance.

You will likely need the highest coverage amount from your car insurance company to qualify for an umbrella policy.

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Should I buy personal umbrella car insurance?

Whether or not you should buy personal umbrella car insurance is a personal decision. However, umbrella insurance can be beneficial to many types of people, since anyone could be involved in an expensive accident.

If you already carry the maximum coverage amounts for your car and would like additional coverage, a personal umbrella policy is exactly what you’re looking for.

They may also be beneficial for those with families since the policy covers all family members.

If you need help finding affordable personal umbrella car insurance, enter your ZIP code into our free quote comparison tool below.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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