How Much Car Insurance is Required in Your State?

We all understand the importance of car insurance. Without it, the financial consequences of an accident can be devastating. In fact, car insurance is so important that most states require you to hold auto insurance in order to operate a vehicle.

If you’re buying a new car, adding a driver to the family, or moving to a new state, now is the time to revisit your automobile insurance policy. Ensure you hold the required amount of car insurance, at a minimum, to protect you and your family should an accident happen.

State by State Car Insurance Requirements

Car insurance is a conglomeration of many different policies. Every state has its own requirements for the policies you need to hold. Some require you to carry liability insurance, others add on personal injury protection, and underinsured/uninsured motorist coverage.

  • Liability insurance protects the people in the other car when you are at fault.
  • Personal injury protection covers you and your passengers.
  • Underinsured/uninsured motorist coverage protects you if the person at fault for the accident does not have adequate coverage.

To help you uncover the minimum requirements for your auto insurance, we’ve outlined the requirements of each state below.

As you look at the minimum car insurance requirements for your state, take note of how to interpret the numbers.

Liability Insurance Requirements by State

Liability insurance requirements are listed as three numbers XX/XX/XX. These numbers are broken down as the amount per thousand of insurance needed per person, per accident, and for property damage. So for example, Alabama’s requirements are 25/50/25. The state requires $25,000 for death or bodily injury to one person, $50,000 for death or bodily injury to two or more persons and $25,000 for damage or destruction of property of others.

The same basic formula is followed for uninsured/underinsured motorist coverage. This coverage is typically reported as two numbers, amount per person/per accident. For those states requiring insurance for property damage, that number will be listed as the third number.

State Required Insurance
Alabama Liability Insurance: 25/50/25
Alaska Liability Insurance: 50/100/25
Arizona Liability Insurance: 15/30/10

OR

$40,000 bond to pay for potential damages

Arkansas Liability Insurance: 25/50/25
California Liability Insurance: 15/30/5
Colorado Liability Insurance: 25/50/15
Connecticut Liability Insurance: 25/50/25

Uninsured/underinsured: 25/50

Delaware Liability Insurance: 25/50/10
Florida Personal property liability: $10,000

Personal injury protection: $10,000

Georgia Liability Insurance: 25/50/25
Hawaii Liability Insurance: 20/40/10

Personal Injury Protection: $10,000

Idaho Liability Insurance: 25/50/15
Illinois Liability Insurance: 25/50/20

Uninsured Motorist Coverage:

25/50

Indiana Liability Insurance: 25/50/25
Iowa Liability Insurance: 20/40/15
Kansas Liability Insurance: 25/50/25

Personal Injury Protection:

  • $4,500/person for medical expenses
  • $900/month for one year for disability/loss of income
  • $25/day for in-home services
  • $2,000 for funeral, burial or cremation expense
  • $4,500 for rehabilitation expense

Survivor Benefits:

  • Disability/loss of income up to $900/month for one year
  • In-home services up to $25/day for one year

Uninsured/Underinsured Motorist: 25/50

Kentucky Liability Insurance: 25/50/25

Personal Injury Protection: $10,000

Louisiana Liability Insurance: 15/30/25
Maine Liability Insurance: 50/100/25

Medical Expenses Coverage: $2,000

Uninsured/Underinsured Motorist: 50/100

Maryland Liability Insurance: 30/60/15

Personal Injury Protection: up to $2,500 per person

Uninsured/Underinsured Motorist Coverage:

30/60/15

Massachusetts Liability Insurance: 20/40/5

Personal Injury Protection: $8,000 per person

Uninsured Motorist Coverage: 20/40

Michigan Liability Insurance: 20/40/10

No fault insurance

Property protection insurance of $1 million

Minnesota Liability Insurance: 30/60/10

Personal Injury Protection: $40,000 per person

Uninsured/Underinsured Motorist Coverage:

25/50

Mississippi Liability Insurance: 25/50/25
Missouri Liability Insurance: 25/50/10

Uninsured Motorist Coverage: 25/50

Montana Liability Insurance: 25/50/20
Nebraska Liability Insurance: 25/50/25

Uninsured Motorist Coverage: 25/50

Nevada Liability Insurance: 25/50/20
New Hampshire Not required, but if you are at-fault you’ll be responsible for bodily injury and property damage.

Recommended minimums:

Liability Insurance:25/50/25

Medical Payments Coverage: $1,000

Uninsured/Underinsured Motorist Coverage:

25/50/25

New Jersey Liability Insurance: 15/30/5

Personal Injury Protection: $15,000

New Mexico Liability Insurance: 25/50/10
New York Liability Insurance: 25/50/10

No-fault Coverage: $50,000

Uninsured Motorist Coverage: 25/50

North Carolina Liability Insurance: 30/60/25

Uninsured/Underinsured Motorist Coverage: 30/60/25

North Dakota Liability Insurance: 25/50/25

Uninsured/Underinsured Motorist Coverage: 25/50

Basic No-fault Insurance: $30,000 per person

Ohio Liability Insurance: 25/50/25
Oklahoma Liability Insurance: 25/50/25
Oregon Liability Insurance: 25/50/20

Personal Injury Protection: $15,000 per person

Uninsured Motorist Coverage: 25/50

Pennsylvania Liability Insurance: 15/30/5

Medical Benefits: $5,000

Rhode Island Liability Insurance: 25/50/25
South Carolina Liability Insurance: 25/50/25

Uninsured Motorist Coverage: 25/50/25

South Dakota Liability Insurance: 25/50/25

Uninsured/Underinsured Motorist Coverage: 25/50

Tennessee Liability Insurance: 25/50/15
Texas Liability Insurance: 30/60/25
Utah Liability Insurance: 25/65/15

Personal Injury Protection: $3,000 per person

Vermont Liability Insurance: 25/50/10

Uninsured/Underinsured Motorist Coverage: 50/100/10

Virginia Liability Insurance: 25/50/20

OR

Uninsured Motorist Fee: $500

Washington Liability Insurance: 25/50/10
Washington DC Liability Insurance: 25/50/10

Uninsured Motorist Coverage: 25/50/5

West Virginia Liability Insurance: 25/50/25

Uninsured Motorist Coverage: 25/50/25

Wisconsin Liability Insurance: 25/50/10

Uninsured Motorist Coverage: 25/50

Wyoming Liability Insurance: 25/50/20

 

The mandatory car insurance minimums provided in the chart above were accurate at the time this article was written. Check with your SelectQuote agent to confirm you still meet the minimum requirements.

With car insurance minimums going up in recent years, now is the time to revisit your auto policy. Whether you’ve had a change in your family, or your policy is up for renewal, talk to your agent to determine your insurance requirements. Your agent can also help you decide if the minimum insurance required is enough to protect you and your family in the case of an accident. You’ll often discover additional coverage will provide added peace-of-mind.

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