A $1 million personal umbrella policy in the Southeast typically costs $180 to $475 per year — $15 to $40 per month — depending on state, household composition, and underlying policy limits. Pricing is lowest in Mississippi ($180–$310), moderate in Alabama ($195–$340), Tennessee ($205–$355), North Carolina ($210–$365), and Georgia ($235–$410), and highest in Louisiana ($240–$420) and Florida ($275–$475) because of direct action rules, nuclear verdict exposure, and hurricane-linked concurrent liability.
Each additional $1 million above the first million usually adds $75 to $215 depending on state — the Louisiana and Florida increments run the highest. See full cost tables by state for Mississippi, Alabama, Louisiana, Florida, Tennessee, North Carolina, and Georgia. Compare pricing across carriers at bridgewayins.com/quotes or call (877) 418-2484. For third-party context see the Insurance Information Institute cost overview.
