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Underdog Fantasy Pick’em Rules & Contests 2025: Insights Revealed!

Last Updated on 05.05.2025
Fact checked by: Alex Cabal

The Brooklyn-based gaming company Underdog Fantasy has become one of the most popular DFS sites in the United States. The wildly popular Underdog Fantasy Pick’em rules the hearts of many DFS lovers in the US.

Given that the app has received 58K+ reviews and an average rating of 4.8 on the App Store, there is no doubt that Underdog Fantasy is a site that DFS lovers like and trust. Today, let’s take a look at the Underdog Fantasy Pick’em game.

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What are the Underdog Fantasy Pick’em rules?

While you do not need a promo code for Underdog Fantasy Pick’em, you do need to know American Football players well to ace the Pick’em game. It is essentially a fantasy draw game that is limited to drawing individual players. So the better you know the players, the better your draws will be.

Now, each player has projections on the platform such as goals scored, speed, and so on. Based on the stats, you are expected to pick a roster of two to five players, as per the Underdog Fantasy Pick’em rules. You will have to pick players based on the projections from the Higher/Lowers section and/or the Rivals section.

You are not limited to a single contest or game, since you can go cross-league, cross-team, and cross-sport in your picks. You essentially have full freedom to make your roster look the way you want it to look. So if you consider yourself a sports geek and keep tabs on different football events, this is your moment to shine and make winning picks.

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Underdog Fantasy Pick’em payouts explained

The Underdog Fantasy Pick’em payouts are some of the most talked about in the industry and for good reason. Before we jump into those, remember that you can either play Pick’em with insurance or Pick’em without insurance. The payouts for ones without insurance are listed below:

Pick without insuranceWinning potential
Pick 2 and get 2 correct3x entry
Pick 3 and get 3 correct6x entry
Pick 4 and get 4 correct10x entry
Pick 5 and get 5 correct20x entry

If you get a single pick wrong while playing with Pick’em without insurance, you will not win anything. So it is wise to consider the Pick’em with insurance, even though the payouts for those are lower.

The Pick’em entry with insurance gives you some room to make mistakes and still win some cash. Here are the payouts for Pick’em with insurance below:

Pick with insuranceWinning potential
Pick 3 and get 2 correct1x entry
Pick 3 and get 3 correct3x entry
Pick 4 and get 3 correct1.5x entry
Pick 4 and get 4 correct6x entry
Pick 5 and get 4 correct2.5x entry
Pick 5 and get 5 correct10x entry

There is a lot of interest among players to know the Underdog Fantasy legal states and the site has a very comprehensive map on their homepage that clearly defines where each game is legal.

If you are in the following states, you will NOT be able to play the Pick’em game – Maryland

Missouri, New Hampshire, New Jersey, Ohio, Pennsylvania, Tennessee, Washington, and West Virginia. Besides these states and the Canadian province of Ontario, you can play Underdog Fantasy everywhere in the United States and Canada.

Pros and Cons of Underdog Fantasy

  • Legal in several US states
  • Verified and licensed DFS site
  • Fantastic welcome bonus for new players
  • Limited payment methods

Final thoughts

Underdog Fantasy Pick’em rules the DFS market because the game gives DFS players what they’re looking for. The ability to play with insurance mitigates risk and makes the game even more attractive for many. The Pick’em game is legal in most states in the US and Canada, so it’s not surprising it’s attracting a wide audience.

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T&Cs and 18+ apply

Underdog Fantasy Pick’em rules FAQ

Underdog Fantasy Pick’em is legal in most states in the US and all Canadian provinces except for Ontario. The states where it is not legal are Maryland, Missouri, New Hampshire, New Jersey, Ohio, Pennsylvania, Tennessee, Washington, and West Virginia.

👀 What are the two types of picks on Pick’em?

The two types are Picks with insurance and those without. If you choose to pick without insurance, you have to get all your picks right or you get nothing in return.

✅ Is Underdog Fantasy legit?

Yes, Underdog Fantasy is a legit DFS site that is legal in many states across the US and Canada.

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