# Stacking

> Stacking explained: adding together uninsured motorist limits for several cars for one accident, how non-stacked coverage differs, and the price trade-off.

Canonical page: https://statecover-guide.com/glossary/stacking/  
Last reviewed: October 28, 2026 by the StateCover Guide editorial team  
General information, not legal or insurance advice.

## Quick answer

Stacking means adding together the uninsured motorist limits for each vehicle you insure to create a larger limit for one accident. Where states allow a choice, stacked coverage costs more than non-stacked coverage, which limits you to the coverage on one vehicle.

## How it works

Example: you insure three cars, each with $50,000 of uninsured motorist bodily injury coverage. With stacking, up to $150,000 could be available to an injured person on your policy for one accident. Without stacking, the limit is $50,000.

Whether you can stack, and how, depends on state law and your policy. Florida's statute shows how a non-stacking option can work. If you accept it in writing:

- the coverage on two or more vehicles is not added together for one accident,
- if you are hurt in one of your own cars, the coverage on that car applies,
- if you are hurt in a car that neither you nor a household family member owns, you can use the highest limit on any one of your vehicles, as excess over that car's coverage,
- if you are not in a vehicle, for example as a pedestrian, you can choose the limit on any one vehicle.

Florida also requires non-stacking coverage to be priced at least 20% below the stacked version. Stacking rules in other states differ, so ask your insurer or state insurance department what is available where you live.

## Related terms

- [Uninsured motorist coverage](https://statecover-guide.com/glossary/uninsured-motorist-coverage/)
- [Underinsured motorist coverage](https://statecover-guide.com/glossary/underinsured-motorist-coverage/)
- [Liability limits](https://statecover-guide.com/glossary/liability-limits/)
- Guide: [Uninsured motorist coverage: UM, UIM and how much to buy](https://statecover-guide.com/coverage/uninsured-motorist/)

## Sources

- [Florida Statutes, section 627.727](https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.727.html) — non-stacking uninsured motorist option, how limits apply and the required premium reduction