Stacked vs. Non-Stacked Car Insurance in 2025 [Differences Explained]

What are stacked car insurance and non-stacked insurance? What are stacked car insurance and non-stacked insurance? It lets you stack uninsured/underinsured motorist coverage on more than one car, raising your payout limits. While it provides superior protection, it will cost you more in premiums.

Non-stacked insurance maintains the coverage independently for every car, capping payments but being less expensive. To be economical, USAA is the lowest at $105 for non-stacked and $120 for stacked insurance.

To make the best choice, compare the cheapest car insurance companies to find the right balance between cost and coverage. Understanding stacked vs. non-stacked insurance ensures you get the protection that fits your needs. See how much you’ll pay for car insurance by entering your ZIP code into our free comparison tool.

Stacked vs. Non-Stacked Car Insurance

In answering the question, “What’s the difference between stacked and unstacked insurance?” it’s a matter of how uninsured motorist coverage limits are used for multiple vehicles. Stacking car insurance lets you combine coverage from different cars to get a bigger payout if you’re in an accident.

For example, if you have two cars with $100,000 in uninsured motorist property damage coverage each, stacking vs. non-stacking means you’d have $200,000 in total coverage instead of being limited to $100,000 per vehicle.

While stacked insurance has higher premiums, it can prevent large out-of-pocket costs in a severe accident with an uninsured driver. Non-stacked insurance has lower rates but limits coverage to each vehicle’s individual policy amount.

Non-Stacked vs. Stacked Car Insurance Rates

Stacked insurance availability varies by state and insurance provider. Some states allow stacked car insurance on a single policy covering multiple vehicles, while others only permit stacking across separate policies for each car. Certain states do not allow stacking at all.

Stacked vs. Non-Stacked Car Insurance Monthly Rates by Provider & State Availability

Insurance Company	Non-Stacked Coverage	Stacked Coverage	States Available
	$120	$140	All states
	$115	$135	Selected States
	$128	$148	All states
	$110	$125	All states
	$130	$150	All states
	$125	$145	All states
	$127	$147	All states
	$118	$138	All states
	$122	$142	Selected States
	$105	$120	All states

Even if your state permits stacking or non-stacking insurance coverage, not all insurance companies offer it. If your current provider does not allow stacked car insurance, you may need to explore other insurers that do.

Read More: Compare Car Insurance by Coverage Type

Check with your state insurance department or company to determine if uninsured motorist property damage coverage can be stacked in your state.

Stacking vs. Non-Stacking Insurance Coverage Levels & Benefits

With stacking or non-stacking insurance, coverage limits are determined by your policy structure. Stacking lets you add uninsured motorist coverage to multiple vehicles, giving you extra protection. For example, if you have two cars with $50,000 in coverage each, stacking increases your total limit to $100,000.

Compare the key differences between stacked and non-stacked car insurance to determine the best option for your needs.

Key Differences Between Stacked and Non-Stacked Coverage

Non-stacked insurance, on the other hand, maintains the coverage distinct, and each car’s limit applies separately. So, if an accident costs $75,000 but your car’s coverage is only $50,000, you must pay the $25,000 difference out of pocket. Some states allow stacking, while others prohibit it. If stacking isn’t available, single-limit car insurance may offer higher protection under one cap.

Stacked vs. Non-Stacked Insurance: Choosing the Right Coverage

When choosing between stacked and non-stacked coverage, your risk tolerance, the number of vehicles you have, and your financial status are factors you should consider.

Even though stacked coverage is likely to cost more, the broad coverage it offers in extreme situations might be worth it. If your state and insurance provider allow it, you might want to consider combining your car insurance for multiple vehicles.

Non-stacked insurance is generally cheaper each month, but if you’re involved in a serious accident with an uninsured driver, you could end up facing substantial out-of-pocket expenses. On the other hand, stacked coverage allows you to combine the insurance limits for all your vehicles, potentially saving you a significant amount in the event of a major accident.

Read More: USAA Car Insurance Review

Based on the rates provided, the cheapest non-stacked coverage is available from USAA at $105 per month, while the most affordable stacked coverage is also from the same company at $120 per month.

These lower rates could make comprehensive protection more accessible while maintaining your budget. See how much you’ll pay for car insurance by entering your ZIP code into our free comparison tool.