liability

$1M Umbrella Policy Cost in 2026: Annual Price by Coverage, Household & Insurer

$1M Umbrella Policy Cost in 2026 A $1M umbrella policy costs $150-$300 per year for a low-risk household in 2026, and each additional $1M of coverage adds roughly $75-$100 per year. Once average-risk households are included, the national average for the first $1M widens to $300-$400 per year. A clean profile means two adults, two cars, one home, no teen drivers, and no pool. Price your own number with the Umbrella Insurance Quote Calculator(/finance/umbrella-insurance-quote-calculator) before you call a single carrier. Adding a $1M umbrella to an existing policy typically costs around $192 per year on its own. The catch: many auto carriers require raising bodily-injury limits from 100/300 to 250/500 first, which adds another $146 per year. The real cost of stepping up is often $338 per year, not $192. That hidden underlying-limit cost is the number most people miss when they get a quote. This guide breaks down what...