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 offer multiple
insurance quotes for anyone living in 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, and other US territories.
Compare and
Save!
The "Insure
Stop"
Here's our picks
for the 3 best multiple quote sites:
1.
Family and Group, Multiple Insurance Quotes,
Fast Easy and Free!
2.
Multiple
Quote Personal and Business Insurance Policy
Comparison
3.
Free Insurance
Quotes Compare Multiple Policies and Providers
Now!
© Reprint Rights
Granted When Printed In Full With Active
Links Intact
|
