Auto insurance can often feel like a complex puzzle, with various coverage options and terminology that might leave you scratching your head. Two terms that frequently come up in the world of auto insurance are “stacked” and “non-stacked” insurance. We’ll break down the difference between these two concepts, making it easy for you to choose the right coverage for your needs. At Dupuy Insurance, our insurance agency is dedicated to offering affordable and comprehensive insurance solutions tailored to your unique circumstances.

Stacked Auto Insurance

Stacked auto insurance is a coverage option that provides added protection in situations where you own multiple vehicles. It combines the uninsured/underinsured motorist (UM/UIM) coverage for each vehicle you own into a single, higher limit that applies across all your vehicles. This means that if you’re involved in an accident with an uninsured or underinsured driver, you have a higher amount of coverage available to you.

Let’s illustrate stacked auto insurance with an example:

Imagine you have two cars, each insured with UM/UIM coverage of $25,000 per vehicle. If you have stacked coverage, the limits combine to give you a total of $50,000 in coverage for each vehicle. In this case, if you’re in an accident with an underinsured driver, your coverage extends up to $50,000 per vehicle.

Non-Stacked Auto Insurance

Non-stacked auto insurance, on the other hand, provides coverage based on the individual limits for each insured vehicle. In the example mentioned earlier, if you have non-stacked coverage, you’d have $25,000 in coverage for each of your two vehicles separately.

Key Differences Simplified

  1. Stacked Coverage: This type of coverage aggregates the UM/UIM limits from all your insured vehicles into a single, higher limit. If you own multiple cars, this can provide better protection against uninsured or underinsured motorists.
  2. Non-Stacked Coverage: Non-stacked coverage keeps the limits separate for each vehicle you own. It’s more straightforward and can be cost-effective if you only have one vehicle or if you believe you won’t encounter many uninsured or underinsured drivers.
  3. Cost Considerations: Stacked coverage generally comes at a higher premium because it offers greater protection. Non-stacked coverage may be more budget-friendly.
  4. Number of Vehicles: Your decision should depend on the number of vehicles you own. Stacked coverage is advantageous when you have multiple vehicles, while non-stacked coverage may be more suitable for single-vehicle owners.
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Why Choose Dupuy Insurance

At Dupuy Insurance, we understand the intricacies of auto insurance and are committed to helping you find the coverage that suits your unique needs. We offer affordable insurance solutions that cater to both stacked and non-stacked options. Our experienced agents work closely with you to determine the best coverage for your situation, ensuring you have the protection you need without breaking the bank.

Making the Right Choice

When deciding between stacked and non-stacked auto insurance, it’s important to consider your individual circumstances. If you own multiple vehicles and want the peace of mind that comes with higher UM/UIM coverage, stacked insurance might be the way to go. On the other hand, if you’re a single-vehicle owner or need to stick to a tight budget, non-stacked insurance is a more economical choice.

Ultimately, your insurance should reflect your unique situation and comfort level. At Dupuy Insurance, we can help you navigate these decisions and provide you with an insurance policy that matches your requirements perfectly.


Understanding the difference between stacked and non-stacked auto insurance is essential when purchasing or renewing your policy. While stacked coverage combines the UM/UIM limits for all your insured vehicles, non-stacked coverage maintains separate limits for each vehicle. Your choice should depend on factors like the number of vehicles you own and your budget.

At Dupuy Insurance, we make this decision-making process easy. We offer affordable insurance solutions tailored to your needs, ensuring you have the protection you require. Whether you opt for stacked or non-stacked coverage, we are here to guide you through the process and provide you with peace of mind on the road. Contact us today to learn more about our insurance offerings and how we can help you secure the coverage that’s right for you.

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UM insurance, Underinsured motorist coverage, Uninsured motorist insurance, Auto insurance coverage