Required Auto Insurance Levels
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 trusts that you have proof of insurance until drivers have accidents or tickets on their records.
Only five states do not require motorists to carry liability
coverage. The states that do require you to have liability coverage
also require you to have the state minimum.
A = State Liability required?
B = Bodily injury liability maximum for
one person injured in an accident
C = Bodily injury liability maximum for
all injuries in one accident
D = Property damage liability maximum for
one accident
E = Liability minimums
PIP required?
F = No-fault *
state?
G = Uninsured motorist coverage required?
States |
A |
B |
C |
D |
E |
F |
G |
Alabama |
Yes |
$20,000 |
$40,000 |
$10,000 |
No |
No |
Yes |
Alaska |
Yes |
$50,000 |
$100,000 |
$25,000 |
No |
No |
Yes |
Arizona |
Yes |
$15,000 |
$30,000 |
$10,000 |
No |
No |
No |
Arkansas |
Yes |
$25,000 |
$50,000 |
$25,000 |
No |
No |
Yes |
California * |
Yes |
$15,000 |
$30,000 |
$5,000 |
No |
No |
Yes |
California |
Yes |
$25,000 |
$50,000 |
$15,000 |
No |
No |
Yes |
Connecticut |
Yes |
$20,000 |
$40,000 |
$10,000 |
No |
No |
Yes |
Delaware |
Yes |
$15,000 |
$30,000 |
$10,000 |
Yes |
No |
Yes |
Florida * |
Yes |
$10,000 |
$20,000 |
$10,000 |
Yes |
Yes |
Yes |
Georgia |
Yes |
$25,000 |
$50,000 |
$25,000 |
No |
No |
Yes |
Hawaii |
Yes |
$20,000 |
$40,000 |
$10,000 |
Yes |
Yes |
Yes |
Idaho |
Yes |
$25,000 |
$50,000 |
$15,000 |
No |
No |
No |
Illinois |
Yes |
$20,000 |
$40,000 |
$15,000 |
No |
No |
Yes |
Indiana |
Yes |
$25,000 |
$50,000 |
$10,000 |
No |
No |
Yes |
Iowa |
Yes |
$20,000 |
$40,000 |
$15,000 |
No |
No |
Yes |
Kansas |
Yes |
$25,000 |
$50,000 |
$10,000 |
Yes |
Yes |
Yes |
Kentucky |
Yes |
$25,000 |
$50,000 |
$10,000 |
Yes |
Yes |
Yes |
Louisiana |
Yes |
$10,000 |
$20,000 |
$10,000 |
No |
No |
Yes |
Maine |
Yes |
$50,000 |
$100,000 |
$25,000 |
No |
No |
Yes |
Maryland |
Yes |
$20,000 |
$40,000 |
$15,000 |
Yes |
No |
Yes |
Massachusetts |
Yes |
$20,000 |
$40,000 |
$5,000 |
Yes |
Yes |
Yes |
Michigan |
Yes |
$20,000 |
$40,000 |
$10,000 |
Yes |
Yes |
No |
Minnesota |
Yes |
$30,000 |
$60,000 |
$10,000 |
Yes |
Yes |
Yes |
Mississippi |
Yes |
$20,000 |
$20,000 |
$5,000 |
No |
No |
Yes |
Missouri |
Yes |
$20,000 |
$50,000 |
$10,000 |
No |
No |
Yes |
Montana |
Yes |
$20,000 |
$50,000 |
$10,000 |
No |
No |
Yes |
Nebraska |
Yes |
$25,000 |
$50,000 |
$10,000 |
No |
No |
No |
Nevada |
Yes |
$15,000 |
$30,000 |
$10,000 |
No |
No |
Yes |
New Hampshire |
No |
$25,000 |
$50,000 |
$25,000 |
No |
No |
Yes |
New Jersey * |
Yes |
$15,000 |
$30,000 |
$5,000 |
Yes |
Yes |
Yes |
New Mexico |
Yes |
$25,000 |
$50,000 |
$10,000 |
No |
No |
Yes |
New York * |
Yes |
$25,000 |
$50,000 |
$10,000 |
Yes |
Yes |
Yes |
North Carolina |
Yes |
$30,000 |
$60,000 |
$25,000 |
No |
No |
Yes |
North Dakota |
Yes |
$25,000 |
$50,000 |
$25,000 |
Yes |
Yes |
Yes |
Ohio |
Yes |
$12,500 |
$25,000 |
$7,500 |
No |
No |
Yes |
Oklahoma |
Yes |
$10,000 |
$20,000 |
$10,000 |
No |
No |
Yes |
Oregon |
Yes |
$25,000 |
$50,000 |
$10,000 |
Yes |
No |
Yes |
Pennsylvania |
Yes |
$15,000 |
$30,000 |
$5,000 |
No |
Yes |
Yes |
Rhode Island |
Yes |
$25,000 |
$50,000 |
$25,000 |
No |
No |
Yes |
South Carolina |
No |
$15,000 |
$30,000 |
$10,000 |
No |
No |
Yes |
South Dakota |
Yes |
$25,000 |
$50,000 |
$25,000 |
No |
No |
Yes |
Tennessee |
Yes |
$25,000 |
$50,000 |
$10,000 |
No |
No |
Yes |
Texas |
Yes |
$20,000 |
$40,000 |
$15,000 |
No |
No |
Yes |
Utah |
Yes |
$25,000 |
$50,000 |
$15,000 |
Yes |
Yes |
Yes |
Vermont |
Yes |
$25,000 |
$50,000 |
$10,000 |
No |
No |
Yes |
Virginia |
No |
$25,000 |
$50,000 |
$20,000 |
No |
No |
Yes |
Washington |
Yes |
$25,000 |
$50,000 |
$10,000 |
No |
No |
Yes |
Washington D.C. |
Yes |
$25,000 |
$50,000 |
$10,000 |
No |
Yes |
Yes |
West Virginia |
Yes |
$20,000 |
$40,000 |
$10,000 |
No |
No |
Yes |
Wisconsin |
No |
$25,000 |
$50,000 |
$10,000 |
No |
No |
Yes |
| Wyoming | Yes |
$25,000 |
$50,000 |
$20,000 |
No |
No |
Yes |
* Low-cost policy minimums for Los Angeles and San Francisco for eligible low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3, effective July 1, 2000, to Jan. 1, 2004
* Only property-damage liability is compulsory.
* Drivers can choose a standard or basic policy. Basic policy limits are 10/10/5; only property-damage liability is mandatory
* Liability rises to 50/100 if injury results in death
*
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 insurance cost down.
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