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Minimum Auto Insurance Coverage Requirements

Auto insurance is regulated at the state level and such the auto insurance minimum coverage requirements differ from state to state. Although there are differences in the amount of coverage that each state requires, there is one thing is pretty much the same across the board: almost every state requires its drivers to have auto insurance and to keep auto insurance coverage in force!

Find The Auto Insurance Policy That Is Right For You

Whether you are interested in a bare bones auto insurance policy to simply meet your state’s mandated minimum coverage requirement (and to keep you financially secure in the event of an accident – see the article “The Consequences of Not Having Auto Insurance”) or whether you are interested in high dollar coverage limits over and above the state limits and extras like collision coverage; find your state’s minimum automobile insurance coverage requirements in the table below and then use the tool at the top of the page to find cheap auto insurance!

Learn How To Interpret Your State’s Liability
Limit Numbers (20/40/10, 50/100/25, etc.)

When reading the below table remember that the 3rd column from the right “Liability Minimum Requirements” can be interpreted as:

1st Number: The bodily injury liability maximum dollar amount that will be paid for any one individual that is hurt in an accident.

2nd Number: The bodily inujury liability maximum dollar amount that will be paid for all individuals injured in an accident (covers all of the injuries for everone involved in an accident).

3rd Number: The property damaage maximum dollar amount that will be paid in any one accident.

Learn The Meaning Of “No-Fault Auto Insurance”

12 states have no fault auto insurance laws and the laws all function differently to some degree. In a nutshell, No-Fault auto insurance is an auto insurance law that requires auto insurance insurers to only sell policies that pay for injuries obtained in an automobile accident regardless of who is deemed to have caused the accident.

If you live in a no fault auto insurance state then you may on average face higher premiums than a state that does not have no fault auto insurance laws. This means that it is even more important to compare auto insurance rates every 6 months to be sure that you are finding the best auto insurance policy at the most affordable price. No matter which type of state you live in; use our free tool at the top of the page to get started saving money on auto insurance. Find cheap auto insurance now!

State Minimum Auto Insurance Coverage Requirements

State
Is Liability
Auto
Insurance
Required?
Liability
Minimum
Requirements*
Is Personal
Injury
Protection
(PIP)
Required?
No Fault
State?
Is Uninsured
Motorist (UIM)
Coverage
Required?
Alabama
Yes
20/40/10
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

* In Thousands

(1) Lower coverage level limits for those in the California Automobile Assigned Risk Plan are 10/20/3

(2) The option of a single combined policy rather than separate policy limits is available.

(3) Drivers must also carry a minmum of $1,000 in medical payments coverage.

(4) Personal Injury Protection (PIP) coverage is only required for passengers.

(5) Optional policy limts are 10/10/5 and Uninsured Motorist (UIM) coverage is not required for the optional policy as with the standard auto insurance policy.

(6) Drivers are also required to carry 50/100 of wrongful death coverage.

 

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