where is uninsured motorist coverage required 
um coverage is required in connecticut illinois kansas maine maryland massachusetts minnesota missouri nebraska new york north carolina north dakota oregon south carolina south dakota vermont west virginia wisconsin and the district of columbia 1 it s also required in new hampshire and virginia if you purchase car insurance 910 you ll need it in rhode island if you choose a liability coverage limit higher than the state minimum 4 new jersey requires um coverage if you choose a standard auto policy but not a basic policy 11