Ballislife Bets
Sports Betting Sites / Underdog Review / Underdog Pick'em: Underdog Pick'em Legal States & Insurance

Underdog Pick'em: Underdog Pick'em Legal States & Insurance

Last Updated on Feb 13, 2026
Fact checked by: Sara Jane Gamelli

Underdog is one of the fastest-growing fantasy platforms for sports and is well-known for its massive Best Ball contests and snake draft formats. The platform is evolving and is also now offering Pick’em contests.

Underdog Pick’em are similar to traditional prop gaming, with players having specific stats set in a variety of categories. You’re then required to combine  2 to 5 player stats into one ticket. Normally, payouts increase as the number of picks you include on your ticket grows ― you can get a payout of up to 20 times your initial money.

Underdog
DFS Promo
4.6/5
Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Deposit Bonus
Copy
Play now
Underdog Highlights
  • Daily contests to enjoy
  • Updated blog posts
  • Varied prize pools
Must be 18+ (19+ in AL, NE; 19+ in CO for some games; 21+ in AZ, MA, and VA) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-MY-RESET or 1-800-GAMBLER or visit www.ncpgambling.org. NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)

How does Underdog Pick em work?

As one of the top DFS betting sites in the US, Underdog has made a name for itself by offering industry-leading Underdog football contests. Now branching to other year-long formats, including Pick’em and other daily fantasy sports varieties, the platform has become one of the most ideal places to play at.

Here we’ll outline how to approach Pick’em so that you can construct winning Pick’em entries. But first, let's answer the question that many gamers often ask; ‘how does Underdog Pick’em work?’. You can also learn more about Pick’em in our Underdog review.

What is Underdog Pick’em?

Before i dive into the details of the Underdog Pick'em proper, I feel it is important to let you know that Underdog is offering new customers in Underdog eligible States the chance to get $75 when you place a bet of $5 or more. Age restrictions and terms apply and vary by State.

Underdog Pick'em contests involve guessing whether a player will go over or under a certain value in a specific category. You combine your selections into one entry. Underdog Pick'em contests also come in two types: Higher/Lower and Rivals

As a general rule, having more selections in an entry will give you a chance for higher Underdog Pick em payouts. For instance, nailing two of two picks will award you a 3x return on your investment, while going five-for-five provides a 20x return. Play Underdog Pick’em today and win amazing prizes.

If you’re into fantasy games such as Underdog Pick'em college football, you can also check our weekly Underdog NFL picks and predictions to cash in on.

You must be at least 18 years old to participate, though the minimum age increases to 19 in States like Alabama and Nebraska, 19 in places like Colorado for certain game types, and 21 in Arizona, Massachusetts, and Virginia. You also need to be physically located in a state where Underdog is legally operating. It’s also important to bear in mind that this offer is unavailable to users in Maryland, Michigan, New Jersey, New York, Ohio, and Pennsylvania. Additional terms apply.

Concerned with your play? Call 1-800-MY-RESET or visit www.ncpgambling.org; NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369).

Underdog Pick'em rules and basics

Underdog Pick 'em rules and basics are very similar to those of the traditional player pick market.

In both, top players in every team are assigned a number or values across a variety of categories, such as QB’s passing yards, passing touchdowns, interceptions, completions, receptions, rushing yards, receiving touchdowns, receiving yards, and rushing touchdowns. This is the info you'll use when making selections. You can even select the higher/lower on a player’s listed fantasy total.

Combinations and contests a must

However, Underdog Pickem rules insist that you can’t take one selection individually. Instead, you must combine it with at least another offering(s) on the same entry for the selection to be valid.

When playing Pick’em at Underdog, your potential payout will be determined by the number of stats that you select and the contest type. You can combine Pick’em entries from the same game, different games, or both. This is slightly similar to Underdog football Best Ball contests.

Important notes on Pick’em rules

Rule 1

Underdog injury rule Pick 'em states that if the player you picked exits early due to injury, your selection is graded as void.

Rule 2

In the event of an Underdog Pick 'em tie and the selection makes an entry invalid, your entry will be considered void and you'll be refunded. But if the selection is voided and the entry remains valid ― but another selection loose  ― your entry will be graded as a loss.

Rule 3

If the selection is a tie and the entry is valid ― where all other selections won ― your entry will be graded as a win but it’ll pay out for the amount of active players.

Rule 4

In the case of Underdog Pick'em push, i.e. when you push one leg of a Pick’em entry, the entire contest is graded as if you’ve removed that entry from the ticket.

How to play Underdog Pick’em

Now that you know the basics of fantasy Pick'em at Underdog, we’ll take you through a profitable Underdog Pick em strategy that will keep you winning contests.

Once you've registered and claimed the Underdog deposit match up bonus, the first step when playing Pick'em is to select the best entry/picks:

  1. Your entry must contain players from at least two different teams, though you can also include picks from different sports in the same entry.
  2. If one pick pushes, that pick is removed from your entry. Also, your contest is decreased by one leg. But if you have a two-pick entry and one leg push, you’ll get your entire entry refunded.
  3. To find good picks with high payouts, we recommend that you select player picks that are likely to hit.

Underdog Pick’em insurance and payouts explained

There are two ways to play Pick’em contests at Underdog: standard and insured.

When playing fantasy Pick'em contests with insurance (also called insured Pick'em contests), you get a bit of wiggle room. That means you'll still win even if you get only one of your picks correct. The only downside of Underdog Pick'em insurance contests is that it has lower payout potential. The Underdog Pick’em payouts for uninsured Pick'em are as follows:

Picks Payouts
Pick 3 and get 2 correct 1x
Pick 3 and get 3 correct 3x
Pick 4 and get 3 correct 1.5x
Pick 4 and get 4 correct 6x
Pick 5 and get 4 correct 2.5x
Pick 5 and get 5 correct 10x

Standard Pick’em contests (without insurance) are different from insured Pick'em in that you need to get all of your selections correct to win. This is similar to traditional contests. The payouts are as follows:

Picks Payouts
Pick 2 and get 2 correct 3x
Pick 3 and get 3 correct 6x
Pick 4 and get 4 correct 10x
Pick 5 and get 5 correct 20x

Simple tip on how to win Underdog Pick’em

Underdog’s Fantasy Pick’em is a fun way to test out predictive abilities against the market.

The keys to success and winning Pick'em at Underdog is to select the best players to target and then leverage correlations to improve awards.

Underdog-Fantasy Rules

As with all other sites of this type, there are a number of rules that you will need to take into account before playing.

To get the most out of this site, be sure to check these rules and play within their limitations. Here is what you need to know about the Underdog-Fantasy rules and regulations.

Rule No 1 - Injured Player

Now there are few things that are worse than picking a player for your fantasy draft that you think will go the whole season, only to have that player injured.

But unfortunately for some people this does happen

And when it does happen you will need to know how it affects any entries made surrounding said player.

If you make a player pick and that pick becomes an injured player and exits early, that will render your selection as void. Void selections do not pay out and therefore cannot be claimed. This rule pertaining to an injured player is referred to as the Underdog ‘injury rule’.

Rule No 2 - Underdog Pick Em Tie Refund

What happens when there is an Underdog Pick ‘Em Tie? Will my pick be graded as void? This is something I wondered while playing at this site.

Notably Underdog have thought it through and come up with a fair trade off

In the event of an Underdog Pick em tie and the selection makes an entry invalid, your entry will be considered void and you'll be refunded. But if the selection is voided and the entry remains valid ― but another selection loose  ― your entry will be graded as a loss.

Rule No 3 - Underdog Pick Em Tie Payout

With many of the rules regarding Pick Em ties ending in either a void pick or a void selection, what are the Pick Em Tie rules that lead to a payout? Well this happens when you have a Pick Em tie but your selection is still deemed as valid. Here’s how it works.

If the selection is a tie and the entry is valid ― where all other selections won ― your entry will be graded as a win but it’ll pay out for the amount of active players.

Rule No 4 - Underdog Pick Em Push

What about an Underdog Pick Em Push? Does that involve the same regulations as, say, an injured player? Will that end up with my pick being voided? The easy answer is no. Here's what happens.

In the case of Underdog Pick em push, i.e. when you push one leg of a Pick’em entry, the entire contest is graded as if you’ve removed that entry from the ticket.

Rule No 5 - Voided Pick

Another rule that can heavily affect the outcome of your play on Underdog is known as the ‘Voided pick’ rule and pertains to any void pick you may make. But what is a void pick. I hear you ask. Well as I’ve already covered, void picks can happen due to a tied game as well as an injured player. But there is another way that a pick can be deemed as void.

If the pick you make does not cover their minimum play requirements in their game, then all picks associated with said player will be scored as void. And Underdog states that this will happen ‘regardless of selecting More or Less for a pick’.

Rule No 6 - Inactive Player

Another rule that you should be aware of is the Underdog Inactive player rule. This is another technicality that can easily lead to a pick being classed as void. So pay attention to this one.

Okay, but let’s say that the player you pick is not injured. However they are active but do not end up playing a snap, or playing on special teams, or they are classed as ‘officially inactive’, then the pick in question will be graded as void.

Underdog is available and operates in nearly all US states, except those that haven’t fully legalised fantasy sports gaming, such as California, Texas, Alabama, Florida, and Georgia. The app is also not available in:

  • Connecticut
  • Delaware
  • Hawaii
  • Idaho
  • Iowa
  • Louisiana
  • Michigan
  • Montana
  • Nevada
  • Washington

However, there are some restrictions when it comes to Pick’em contests. So, if you’re wondering what state is Underdog Pick em legal in the U]S, we’ll list some Underdog Pick em states where the Pick’em contests aren’t available. They include Ohio, Maryland, Pennsylvania, and New Jersey.

Underdog Pick em in Vermont and Underdog Pick em Colorado have some restrictions. For instance, Pick'em entries in Colorado must have a selection size of at least four to be eligible for play.

Find your state below and sign-up now

For easy sign-up and the opportunity to lay claim to our exclusive promo, find your state below and click on the tab to get it all started.

State: Bonus Offer:Bonus Code: Get Bonus:
Alaska Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog AK
Alabama Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog AL
Arkansas Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog AR
Arizona Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog AZ
California Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog CA
Colorado Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog CO
Florida Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog FL
Georgia Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog GA
Illinois Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog IL
Indiana Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog IN
Kansas Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog KS
Kentucky Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog KY
Massachusetts Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog MA
Maryland Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog MD
Maine Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog ME
Minnesota Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog MN
Missouri Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog MO
Mississippi Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog MS
North Carolina Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog NC
North Dakota Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog ND
Nebraska Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog NE
New Hampshire Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog NH
New Jersey Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog NJ
New Mexico Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog NM
Ohio Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog OH
Oklahoma Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog OK
Oregon Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog OR
Pennsylvania Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog PA
Rhode Island Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog RI
South Carolina Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog SC
South Dakota Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog SD
Tennessee Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog TN
Texas Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog TX
Utah Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog UT
Virginia Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog VA
Vermont Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog VT
Wisconsin Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog WI
West Virginia Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog WV
Wyoming Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Copy
Join Underdog WY
Show more entries

Final thoughts on Underdog Pick’em

Underdog has some of the best fantasy Pick’em offers and payouts out there. You can even claim an amazing $500 match on your first deposit. In fact, with an excellent Underdog Pick em strategy, you can win up to 20x your initial investment.

Underdog Pick’em FAQ

🎮 What is Pick’em at Underdog?

Pick’em is a fantasy contest that functions like sportbook’s prop parlays. Find out more about this game by checking our detailed Underdog Pick’em guide.

✅ What are Underdog Pick’em eligible states in the US?

Underdog Pick’em is available in almost all states in the US. However, you can’t play Underdog Pick em in Pennsylvania, Ohio, or New Jersey. Check out our guide to discover other Underdog Pick’em states where Pick’em isn’t available yet.

⚙️ How does Pick em work Underdog?

Pick’em, at Underdog works just like any other fantasy Pick’em contest. The goal of the game is to guess what player/team will win each game by combining two or more picks together into one ticket. Delve into our guide to find out more.

Our Team
Sara Jane Gamelli
Sara Jane Gamelli
Writer | Bettor
David Astramskas (Redapples)
David Astramskas (Redapples)
Editor | Senior Writer
Sadonna Price
Sadonna Price
Editor | Writer
Dan Holmes
Sports Writer
Ronnie Flores
Ronnie Flores
Editor | Senior Writer
Lou Monaco
Lou Monaco
Lead Writer | Senior Editor
Travis Pulver
Travis Pulver
Editor | Sports Writer
Bill Freskos
Bill Freskos
Editor | Sports Writer
Matt Moreno
Matt Moreno
Lead Editor
DFS
Underdog DFS
Favicon
4.6/5
Underdog DFS Bonus
Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Code
Copy
Play now
PayPal
Mastercard
Visa
American Express
Discover
Trustly
Apple Pay
Bank Transfer
USA
USA Allowed
Must be 18+ (19+ in AL, NE; 19+ in CO for some games; 21+ in AZ, MA, and VA) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-MY-RESET or 1-800-GAMBLER or visit www.ncpgambling.org. NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)
Top Brands
Top Bonuses
Underdog
Underdog
Underdog Review
4.6/5
ParlayPlay
ParlayPlay
ParlayPlay Review
4.6/5
Dabble
4.4/5
OwnersBox
OwnersBox
OwnersBox Review
4.3/5
DraftKings Fantasy
DraftKings Fantasy
DraftKings Fantasy Review
4.2/5
Underdog
Underdog Promo
Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
T&Cs apply
4.6/5
Must be 18+ (19+ in AL, NE; 19+ in CO for some games; 21+ in AZ, MA, and VA) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-MY-RESET or 1-800-GAMBLER or visit www.ncpgambling.org. NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)
ParlayPlay
ParlayPlay Promo
100% First Deposit Match up to $100 in Promo Funds
T&Cs apply
4.6/5
Must be 18+ (19+ in NE, AL) (21+ in MA). Must be physically located in the United States, excluding HI, ID, LA , MT, NV, OR, or WA. Eligibility restrictions apply. Void where prohibited. First-time deposit. get a 100% match in Promo Funds, up to $100. Promo Funds are used before cash. Promo Funds are non-withdawable. Winnings from Promo Funds are credited to your account subject to meeting the play-through requirement of 1x deposited funds. Promo Funds expire 7 days after receipt. Terms: https://help.parlayplay.io/promotional-terms. Concerned with you play? Call 1-800-GAMBLER or visit www.ncpgambling.org.
Dabble
Dabble Promo
$10 Free on Signup, No Deposit Required
T&Cs apply
4.4/5
OwnersBox
OwnersBox Promo
100% bonus of first deposit - up to 100 OwnersBucks instantly
T&Cs apply
4.3/5
Make a minimum $10 (USD) or more deposit and have 100% of your deposit matched up to 100 OwnersBucks instantly (valued at up to $100 USD). The “100% Deposit Bonus” offer is only valid for one use. Only one (1) 10-100 OwnersBucks reward will be issued to each individual eligible user. Rewarded OwnersBucks are redeemable in any OwnersBox contest type, subject to location availability. Eligibility for each OwnersBox contest varies by jurisdiction.T&Cs apply, 18+
DraftKings Fantasy
DraftKings Fantasy Promo
New Customers Play Free for Your Share of Millions in Prizes with First Deposit
T&Cs apply
4.2/5
Gambling Problem? Call 1-800-GAMBLER or 877-8-HOPENY or text HOPENY (467369) (NY). Help is available for problem gambling. Call (888) 789-7777 or visit ccpg.org (CT). 18+ in most eligible states; age varies by jurisdiction. Eligibility restrictions apply. Void where prohibited. One per new customer. Minimum $5 deposit required. One single-use $3 ticket rewarded. Ticket rewards are site credits valid for use on eligible DraftKings contests. Ticket rewards expire 14 days (336 hours) after being issued. Terms: www.draftkings.com/promotions. Ends 3/25/26 at 11:59 PM ET. Sponsored by DK.
Close
Unlock Your Winning Potential! Exclusive Offers from Top Sportsbooks Await.
Underdog
Underdog Promo
Play $5 in Fantasy Entries, Get $75 in Fantasy Bonus Entries
Our Favorite
T&Cs Apply / 18+
Code:
Open Underdog
Get Bonus
ParlayPlay
ParlayPlay Promo
100% First Deposit Match up to $100 in Promo Funds
Quick Draft
T&Cs Apply / 18+
Code:
Open ParlayPlay
Get Bonus
Dabble
Dabble Promo
$10 Free on Signup, No Deposit Required
Newcomer
T&Cs Apply / 18+
Code:
Open Dabble
Get Bonus
×
Your Promo Code:
The bonus offer of Underdog was already opened in an additional window. If not, you can open it also by clicking the following link:
Play now