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State Insurance Coverage Requirements

 
Jan 3, 2005
Contributor: Jody Baker


The first two figures refer to bodily injury liability limits and the third figure refers to the property damage liability limit. For example, 25/50/20 means coverage up to $25,000 for each person injured in an accident, up to a maximum of $50,000 for the entire accident, and $20,000 worth of coverage for property damage. If you have any questions, you should contact your specific state departments.

State
Type(s) of Coverage Required
Minimum Liability Limits*

AL
Bodily Injury and Property Damage Liability (effective 6/2000)
20/40/10

AK
Bodily Injury and Property Damage Liability
50/100/25

AZ
Bodily Injury and Property Damage Liability
15/30/10

AR
Bodily Injury and Property Damage Liability
25/50/15

CA
Bodily Injury and Property Damage Liability, Personal Injury Protection
15/30/5

CO
Bodily Injury and Property Damage Liability, Personal Injury Protection
25/50/15

CT
Bodily Injury and Property Damage Liability, Uninsured and Underinsured Motorist
20/40/10

DE
Bodily Injury and Property Damage Liability, Personal Injury Protection
15/30/5

DC
Bodily Injury and Property Damage Liability, Uninsured Motorist
25/50/10

FL
Property Damage Liability, Personal Injury Protection
10/20/10

GA
Bodily Injury and Property Damage Liability
15/30/10

HI
Bodily Injury and Property Damage Liability, Personal Injury Protection
20/40/10

ID
Bodily Injury and Property Damage Liability
25/50/15

IL
Bodily Injury and Property Damage Liability, Uninsured Motorist
20/40/15

IN
Bodily Injury and Property Damage Liability
25/50/10

IA
Bodily Injury and Property Damage Liability
20/40/15

KS
Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist
25/50/10

KY
Bodily Injury and Property Damage Liability, Personal Injury Protection
25/50/10

LA
Bodily Injury and Property Damage Liability
10/20/10

ME
Bodily Injury and Property Damage Liability, Uninsured Motorist
50/100/25

MD
Bodily Injury and Property Damage Liability, Personal Injury Protection (may be waived for policyholder but compulsory for passengers), Uninsured Motorist
20/40/10

MA
Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist
20/40/5

MI
Bodily Injury and Property Damage Liability, Personal Injury Protection
20/40/10

MN
Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured and Underinsured Motorist
30/60/10

MS
Financial Responsibility Only
10/20/5

MO
Bodily Injury and Property Damage Liability, Underinsured Motorist
25/50/10

MT
Bodily Injury and Property Damage Liability
25/50/10

NE
Bodily Injury and Property Damage Liability
25/50/25

NV
Bodily Injury and Property Damage Liability
15/30/10

NH
Financial Responsibility Only
25/50/25

NJ
Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist
15/30/5

NM
Bodily Injury and Property Damage Liability
25/50/10

NY
Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist
25/50/10

NC
Bodily Injury and Property Damage Liability
25/50/15

ND
Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist
25/50/25

OH
Bodily Injury and Property Damage Liability
12.5/25/7.5

OK
Bodily Injury and Property Damage Liability
10/20/10

OR
Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist
25/50/10

PA
Bodily Injury and Property Damage Liability, Medical Payments
15/30/5

RI
Bodily Injury and Property Damage Liability, Uninsured Motorist
25/50/25

SC
Bodily Injury and Property Damage Liability, Uninsured Motorist
15/30/10

SD
Bodily Injury and Property Damage Liability, Uninsured Motorist
25/50/25

TN
Financial Responsibility Only
25/50/10

TX
Bodily Injury and Property Damage Liability
20/40/15

UT
Bodily Injury and Property Damage Liability, Personal Injury Protection
25/50/15

VT
Bodily Injury and Property Damage Liability, Uninsured and Underinsured Motorist
25/50/10

VA
Bodily Injury and Property Damage Liability, Uninsured Motorist
25/50/20

WA
Bodily Injury and Property Damage Liability
25/50/10

WV
Bodily Injury and Property Damage Liability, Uninsured Motorist
20/40/10

WI
Financial Responsibility Only, Uninsured Motorist
25/50/10

WY
Bodily Injury and Property Damage Liability
25/50/20

Keep in mind that the figures given above only represent required minimums. You may want to consider purchasing coverage above the minimums so that you're adequately protected.


For more information relating to "State Insurance Coverage Requirements", please visit our auto insurance State Insurance Requirements page.
 
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