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State Auto Liability Insurance Requirements


Liability Insurance Minimum Requirements

People often wonder just how much auto insurance they have to carry. The answer depends on where you live. The specific types and amounts of required coverage vary from one state to another. Keep in mind that the figures given in the table below only represent required minimums. In many cases it will be in your best interest to purchase coverage above and beyond the minimums (including collision and comprehensive) so that you're adequately protected. With bodily injury liability, for instance, most insurance professionals recommend that your coverage limits be $100,000 per person and $300,000 per accident.

Minimum Insurance Requirements in all 50 states and D.C.

State
Required coverage types
Minimum liability limits
No fault?


Alabama
bodily injury and property damage liability
20/40/10
no

Alaska
bodily injury and property damage liability
50/100/25
no

Arizona
bodily injury and property damage liability
15/30/10
no

Arkansas
bodily injury and property damage liability
25/50/25
no

California
bodily injury and property damage liability
15/30/5
no

Colorado
bodily injury and property damage liability
25/50/15
no

Connecticut
bodily injury and property damage liability, uninsured motorist
20/40/10
no

Delaware
bodily injury and property damage liability, personal injury protection
15/30/10
no

DC
bodily injury and property damage liability, uninsured motorist
25/50/10
yes

Florida
property damage liability, personal injury protection
10/20/10
yes

Georgia
bodily injury and property damage liability
25/50/25
no

Hawaii
bodily injury and property damage liability, personal injury protection
20/40/10
yes

Idaho
bodily injury and property damage liability
25/50/15
no

Illinois
bodily injury and property damage liability, uninsured motorist
20/40/15
no

Indiana
bodily injury and property damage liability
25/50/10
no

Iowa
bodily injury and property damage liability
20/40/15
no

Kansas
bodily injury and property damage liability, personal injury protection
25/50/10
yes

Kentucky
bodily injury and property damage liability, personal injury protection
25/50/10
yes

Louisiana
bodily injury and property damage liability
10/20/10
no

Maine
bodily injury and property damage liability, uninsured motorist
50/100/25
no

Maryland
bodily injury and property damage liability, uninsured and underinsured motorist
20/40/15
no

Massachusetts
bodily injury and property damage liability, personal injury protection, uninsured motorist
20/40/5
yes

Michigan
bodily injury and property damage liability, personal injury protection
20/40/10
yes

Minnesota
bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist
30/60/10
yes

Mississippi
bodily injury and property damage liability
10/20/5
no

Missouri
bodily injury and property damage liability, uninsured motorist
25/50/10
no

Montana
bodily injury and property damage liability
25/50/10
no

Nebraska
bodily injury and property damage liability, uninsured and underinsured motorist
25/50/25
no

Nevada
bodily injury and property damage liability
15/30/10
no

New Hampshire
proof of financial responsibility, medical payments, uninsured motorist
25/50/25
no

New Jersey
bodily injury and property damage liability, personal injury protection, uninsured motorist
15/30/5
yes

New Mexico
bodily injury and property damage liability
25/50/10
no

New York
bodily injury and property damage liability, uninsured motorist, personal injury protection
25/50/10
yes

North Carolina
bodily injury and property damage liability
30/60/25
no

North Dakota
bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist
25/50/25
yes

Ohio
bodily injury and property damage liability
12.5/25/7.5
no

Oklahoma
bodily injury and property damage liability
10/20/10
no

Oregon
bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist
25/50/10
no

Pennsylvania
bodily injury and property damage liability, medical payments
15/30/5
yes

Rhode Island
bodily injury and property damage liability
25/50/25
no

South Carolina
bodily injury and property damage liability, uninsured motorist
15/30/10
no

South Dakota
bodily injury and property damage liability, uninsured motorist
25/50/25
no

Tennessee
proof of financial responsibility
25/50/10
no

Texas
bodily injury and property damage liability
20/40/15
no

Utah
bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist
25/50/15
yes

Vermont
bodily injury and property damage liability, uninsured motorist
25/50/10
no

Virginia
bodily injury and property damage liability, uninsured and underinsured motorist
25/50/20
no

Washington
bodily injury and property damage liability
25/50/10
no

West Virginia
bodily injury and property damage liability, uninsured motorist
20/40/10
no

Wisconsin
proof of financial responsibility, uninsured motorist
25/50/10
no

Wyoming
bodily injury and property damage liability
25/50/20
no

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