How Much Car Insurance Do I Need - How Much Car Insurance Required By State

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How Much Car Insurance Is Required By State

Most states set requirements for the liability portion of your car insurance coverage. When you read the charts below here is what the numbers mean:

25/50/25 is shown for the state of Alabama, this means:

$25,000 - Bodily injury liability for one person in an accident
$50,000 - Bodily injury liability for everyone injured in an accident
$25,000 - Property damage liability for one accident

Other states have established "No Fault" rules designed to reduce the number of lawsuits as each person's insurance will pay for their own expenses.

PIP stands for Personal Injury Protection. All "No Fault" states require this type of coverage to pay for personal injuries and in some cases lost wages or other damages.

Uninsured Motorist Coverage - This coverage pays you when you are injured by someone who does not have proper insurance coverage. With this coverage, the insurance company will pay the difference between what the offending driver can pay and what you should receive in compensation.

State	Liability required?	Nofault state?	PIP Required?	Uninsured motorist coverage required?
Alabama	Yes, 25/50/25	No	No	No
Alaska	Yes, 50/100/25	No	No	No
Arizona	Yes, 15/30/10	No	No	No
Arkansas	Yes, 25/50/25	No	Yes	No
California¹	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	No	Yes	No
Florida²	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, 15/30/25	No	No	No
Maine³	Yes, 50/100/25	No	No	Yes
Maryland⁴	Yes, 20/40/15	No	Yes	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 Jersey⁵	Yes, 15/30/5	Yes	Yes	Yes
New Mexico	Yes, 25/50/10	No	No	No
New York⁶	Yes, 25/50/10	Yes	Yes	Yes
North Carolina	Yes, 30/60/25	No	No	Yes
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	No	Yes	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
Tennessee²	Yes, 25/50/15	No	No	No
Texas	Yes, 30/60/30	No	No	No
Utah²	Yes, 25/65/15	Yes	Yes	No
Vermont	Yes, 25/50/10	No	No	No
Virginia	Yes, 25/50/20	No	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, 50/100/55	No	No	Yes
Wyoming	Yes, 25/50/20	No	No	No

Source: Insurance Information Institute

* Wisconsin will require liability insurance coverage as of June 2010.

1 - California Automobile Assigned Risk Plan requirements are 10/20/3.

2 - Drivers can satisfy the requirement with a single combined policy, instead of liability requirements. Amounts vary by state.

3 - Drivers carry also carry at least $1,000 coverage for medical payments.

4 - PIP may be waived for the policyholder but passengers must be covered.

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 - Policyholders must also have 50/100 for wrongful death coverage.

Special Note

Consult Your Local Car Insurance Agent Or State Insurance Commissioner For Complete Auto Insurance Requirements For Your Area.