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Minimum Levels of Required Auto
Insurance Coverage by State
Recommended insurance coverage,
$100,000 of bodily injury protection
per person and $300,000 per
accident.
First number:
bodily injury liability maximum
for one person injured in an
accident.
Second number:
bodily injury liability maximum
for all injuries in one accident.
Third number:
property damage liability maximum
for one accident.
Thus, in Alabama, for example,
the minimum liability limits
are $20,000 for injury liability
for one person in an accident,
$40,000 for all injuries in
an accident, and $10,000 for
property damage in an accident.
If your state has a "no-fault"
auto insurance law, your auto
policy must pay medical bills
for you and your passengers
regardless of who caused the
accident.
1)
Low-cost policy limits for drivers
in the California Automobile
Assigned Risk Plan are 10/20/3.
(2)
Instead of policy limits, policyholders
can satisfy the requirement
with a single combined policy.
Amounts vary by state.
(3)
In addition, policyholders must
carry $1,000 for medical payments.
(4)
PIP may be waived for the policyholder
but it is compulsory for passengers.
(5)
Basic policy (optional) limits
are 10/10/5. UM/UIM coverage
is not available under a basic
policy but UIM is required under
a standard policy.
(6)
In addition, policyholders must
have 50/100 for wrongful death
coverage.
|
State |
Liability required?
Liability minimums
(in thousands of
dollars) |
Personal Injury
Protection required? |
No-fault state? |
Uninsured motorist
coverage required? |
|
Alabama |
Yes, 25/50/25 |
No |
No |
No |
|
Alaska |
Yes, 50/100/25 |
No |
No |
No |
|
Arizona |
Yes, 15/30/10 |
No |
No |
No |
|
Arkansas |
Yes, 25/50/25 |
Yes |
No |
No |
|
California (1)
|
Yes, 15/30/5 |
No |
No |
No |
|
Colorado |
Yes, 25/50/15 |
No |
No |
No |
|
Connecticut |
Yes, 20/40/10 |
No |
No |
Yes |
|
Delaware |
Yes, 15/30/10 |
Yes |
No |
No |
|
Florida (2)
|
No, 10/20/10 |
Yes |
Yes |
No |
|
Georgia |
Yes, 25/50/25 |
No |
No |
No |
|
Hawaii |
Yes, 20/40/10 |
Yes |
Yes |
No |
|
Idaho |
Yes, 25/50/15 |
No |
No |
No |
|
Illinois |
Yes, 20/40/15 |
No |
No |
Yes |
|
Indiana |
Yes, 25/50/10 |
No |
No |
No |
|
Iowa |
Yes, 20/40/15 |
No |
No |
No |
|
Kansas |
Yes, 25/50/10 |
Yes |
Yes |
Yes |
|
Kentucky |
Yes, 25/50/10 |
Yes |
Yes |
No |
|
Louisiana |
Yes, 10/20/10 |
No |
No |
No |
|
Maine (3) |
Yes, 50/100/25 |
No |
No |
Yes |
|
Maryland (4) |
Yes, 20/40/15 |
Yes |
No |
Yes |
|
Massachusetts |
Yes, 20/40/5 |
Yes |
Yes |
Yes |
|
Michigan |
Yes, 20/40/10 |
Yes |
Yes |
No |
|
Minnesota |
Yes, 30/60/10 |
Yes |
Yes |
Yes |
|
Mississippi |
Yes, 25/50/25 |
No |
No |
No |
|
Missouri |
Yes, 25/50/10 |
No |
No |
Yes |
|
Montana |
Yes, 25/50/10 |
No |
No |
No |
|
Nebraska |
Yes, 25/50/25 |
No |
No |
No |
|
Nevada |
Yes, 15/30/10 |
No |
No |
No |
|
New Hampshire |
No, 25/50/25 |
No |
No |
Yes |
|
New Jersey (5) |
Yes, 15/30/5 |
Yes |
Yes |
Yes |
|
New Mexico |
Yes, 25/50/10 |
No |
No |
No |
|
New York (6)
|
Yes, 25/50/10 |
Yes |
Yes |
Yes |
|
North Carolina |
Yes, 30/60/25 |
No |
No |
No |
|
North Dakota |
Yes, 25/50/25 |
Yes |
Yes |
Yes |
|
Ohio |
Yes, 12.5/25/7.5 |
No |
No |
No |
|
Oklahoma |
Yes, 25/50/25 |
No |
No |
No |
|
Oregon |
Yes, 25/50/10 |
Yes |
No |
Yes |
|
Pennsylvania |
Yes, 15/30/5 |
Yes |
Yes |
No |
|
Rhode Island (2) |
Yes, 25/50/25 |
No |
No |
Yes |
|
South Carolina |
Yes, 25/50/25 |
No |
No |
Yes |
|
South Dakota |
Yes, 25/50/25 |
No |
No |
Yes |
|
Tennessee (2) |
Yes, 25/50/10 |
No |
No |
No |
|
Texas |
Yes, 25/50/25 |
No |
No |
No |
|
Utah (2) |
Yes, 25/50/15 |
Yes |
Yes |
No |
|
Vermont |
Yes, 25/50/10 |
No |
No |
Yes |
|
Virginia |
Yes, 25/50/20 |
Yes |
No |
Yes |
|
Washington |
Yes, 25/50/10 |
No |
No |
No |
|
Washington D.C. |
Yes, 25/50/10 |
No |
No |
Yes |
|
West Virginia |
Yes, 20/40/10 |
No |
No |
Yes |
|
Wisconsin |
No, 25/50/10 |
No |
No |
Yes |
|
Wyoming |
Yes, 25/50/20 |
No |
No |
No |
We can get multiple insurance
quotes for anyone living
in any of the following
states, Alabama AL, Alaska
AK, Arizona AZ, Arkansas
AR, California CA, Colorado
CO, Connecticut CT, Delaware
DE, District of Columbia
DC, Florida FL, Georgia
GA, Hawaii H, Idaho ID,
Illinois IL, Indiana IN,
Iowa IA, Kansas KS, Kentucky
KY, Louisiana LA, Maine
ME, Maryland MD, Massachusetts
MA, Michigan MI, Minnesota
MN, Mississippi MS, Missouri
MO, Montana MT, Nebraska
NE, Nevada NV, New Hampshire
NH, New Jersey NJ, New Mexico
NM, New York NY, North Carolina
NC, North Dakota ND, Ohio
OH, Oklahoma OK, Oregon
OR, Pennsylvania PA, Rhode
Island RI, South Carolina,
South Dakota, Tennessee
TN, Texas TX, Utah UT, Vermont
VT, Virginia VA, Washington
WA, West Virginia WV, Wisconsin
WI, and Wyoming WY...
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