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, 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