USAinsurance

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.

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.

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	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	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	Yes, 50/100/25	No	No	Yes
Maryland	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	Yes, 15/30/5	Yes	Yes	Yes
New Mexico	Yes, 25/50/10	No	No	No
New York	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	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	Yes, 25/50/10	No	No	No
Texas	Yes, 25/50/25	No	No	No
Utah	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

(2) Instead of policy limits, policyholders can satisfy the requirement with a single combined

(5) Basic policy (optional) limits are 10/10/5. UM/UIM coverage is not available under a basic

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.

State minimum auto insurance liability limits

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