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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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