What are State Minimum Coverage Requirements for Car Insurance?
Each state in the U.S. has a minimum liability coverage requirement for your car insurance policy. This is the bare minimum each state believes is enough to cover any expenses you may incur if you are involved in a car accident.
Keep in mind, these are just minimums. You can and probably should purchase more to ensure that any car repair or medical expenses you may be responsible for are fully covered by your car insurance policy. If your liability coverage is not sufficient, you will be required to pay the difference between what your insurance will pay for and the actual costs out of your own pocket.
You can get detailed information on each state’s requirements on our “By State” link at the top of this page, but here is a summary of what each state requires.
Below is a list of each state and its requirements. The numbers signify:
Bodily injury liability per person/bodily injury liability per accident/property damage
So that 50/100/25 signifies that the state has a minimum required coverage of $50,000 per person for bodily injury and $100,000 per accident, as well as $25,000 for property damage.
- Alaska 50/100/25
- Alabama 20/40/10
- Arkansas 25/50/15
- Arizona 15/30/10
- California 15/30/5
- Colorado 25/50/15
- Connecticut 20/40/10
- Delaware 15/30/5
- Florida 10/20/10
- Georgia 15/30/10
- Hawaii 20/40/10
- Idaho 20/50/15
- Illinois 20/40/15
- Indiana 25/50/10
- Iowa 20/40/15
- Kansas 25/50/10
- Kentucky 25/50/10
- Louisiana 10/20/10
- Maine 50/100/25
- Maryland 20/40/10
- Massachusetts 20/40/5
- Michigan 20/40/10
- Minnesota 30/60/10
- Mississippi 25/50/25
- Missouri 25/50/10
- Montana 25/50/10
- Nebraska 25/50/25
- New Hampshire 25/50/25
- New Jersey 15/30/5
- New Mexico 25/50/10
- Nevada 15/30/10
- New York 25/50/10
- North Carolina 30/60/25
- North Dakota 25/50/25
- Ohio 12.5/25/7.5
- Oklahoma 10/20/10
- Oregon 25/50/10
- Pennsylvania 15/30/5
- Rhode Island 25/50/25
- South Carolina 15/30/10
- South Dakota 25/50/25
- Tennessee 25/50/10
- Texas 20/40/15
- Utah 25/65/15
- Virginia 25/50/20
- Vermont 25/50/10
- Washington 25/50/10
- Wisconsin 25/50/10
- West Virginia 20/40/10
- Wyoming 25/50/20
