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State minimum auto insurance liability limits

       

All 50 states have different requirements when it comes to auto insurance. In some states, motorists can't register a car without showing proof that they have liability insurance, while other states use an "honor system" that doesn't ask for proof of insurance until drivers have accidents or tickets on their records.

 

Only two states do not require motorists to carry liability coverage, but those that do demand that drivers purchase at least the state's minimum. In other words, if you live in a state that requires liability insurance, you can't walk into your insurance agent's office and buy only $2,000 worth of liability coverage. If you're going to buy it, you must purchase at least the minimum amount required.

How to read liability limits

The following information will help you understand the table of liability limits.

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.

So, looking at the table, you find that in Alabama 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.

What is no-fault?

Some states have "no-fault" laws, meaning your auto policy must pay medical bills for injuries suffered in an auto accident regardless of who caused the accident. The laws were enacted in an attempt to reduce auto-injury fraud and keep car insurance costs down.

State

Liability required? Liability minimums (in thousands of dollars)

PIP required?

No-fault state?

Uninsured motorist 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

(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

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Please Note: The information contained in this Web site is provided solely as a source of general information and resource.  It is a not a statement of contract and coverage may not apply in all areas or circumstances.  For a complete description of coverage’s and guideline, always read the insurance policy, and consult your state insurance dept.