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Learn the Specific Requirements for Auto Insurance in Your State

In the list below, the first two numbers refer to bodily injury liability limits and the third number refers to the property damage liability limit. For example, the first two numbers in 25/50/20 would mean in an accident each person injured would receive a maximum of up to 25,000 with only 50,000 allowed per accident (ex. 2 people needing 25,000, if the need is more such as 3 people needing 25,000 then whoever files first gets first access to the 50,000 limit and you may be sued for the rest if the accident was your fault!). The last number refers to the total coverage per accident for property damage which in this case would be 20,000.

Click on the state below to view more detailed information about minimum insurance requirements.

 

State Liability limits
 (in thousands of dollars) 
Uninsured/Underinsured
 motorist coverage required? 
Alabama 25/50/25 No
Alaska 50/100/25 No
Arizona 15/30/10 No
Arkansas 25/50/25 No
California 15/30/5 No
Colorado 25/50/15 No
Connecticut 20/40/10 Yes
Delaware 15/30/10 No
D.C. 25/50/10 Yes
Florida 10/20/10 No
Georgia 25/50/25 No
Hawaii 20/40/10 No
Idaho 25/50/15 No
Illinois 20/40/15 Yes
Indiana 25/50/10 No
Iowa 20/40/15 No
Kansas 25/50/10 Yes
Kentucky 25/50/10 No
Louisiana 10/20/10 No
Maine 50/100/25 Yes
Maryland 20/40/15 Yes
Massachusetts 20/40/5 Yes
Michigan 20/40/10 No
Minnesota 30/60/10 Yes
Mississippi 25/50/25 No
Missouri 25/50/10 Yes
Montana 25/50/10 No
Nebraska 25/50/25 No
Nevada 15/30/10 No
New Hampshire Not required 25/50/25 Yes
New Jersey 15/30/5 Yes
New Mexico 25/50/10 No
New York 25/50/10 Yes
North Carolina 30/60/25 Yes
North Dakota 25/50/25 Yes
Ohio 12.5/25/7.5 No
Oklahoma 25/50/25 No
Oregon 25/50/10 Yes
Pennsylvania 15/30/5 No
Rhode Island 25/50/25 Yes
South Carolina 25/50/25 Yes
South Dakota 25/50/25 Yes
Tennessee 25/50/10 No
Texas 25/50/25 No
Utah 25/65/15 No
Vermont 25/50/10 Yes
Virginia 25/50/20\ Yes
Washington 25/50/10 No
West Virginia 20/40/10 Yes
Wisconsin Not required 25/50/10 Yes
Wyoming 25/50/20 No

 

 

 

 

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