Very strange. I talked to my FL agent, and it appears that uninsured motorist coverage is almost half of my total premium. I looked into dropping it from $1M/$1M to $100K/$100K, and it would decrease the cost by about 35%. Basically from $360/year/vehicle to $220/year/vehicle. That's significant but I'm not sure if it's worth the decrease in coverage. I'll have to think about it.
I'm assuming there's a major issue with uninsured motorists in FL, compared to what I'm seeing others here talking about.
DH and I live in the Orlando area and carry uninsured motorist, bodily injury, non-stacked with limits of 100k/300k. That is less than the 300k/500k liability limits I must carry due to my umbrella policy. My umbrella policy does offer uninsured coverage.
The cost is $314 annually for two vehicles or 17.3% of our total premium (full coverage, low mileage). I purchase it to cover any required medical treatment not covered by DH's Medicare+Supplement or to provide my treatment of choice since I get my health care from the VA.
For awhile, I had higher medical payments coverage ($0 now) and no uninsured motorist coverage but, for some reason that I don't recall, I switched over to uninsured motorist coverage.