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What are the state minimum limits for auto insurance?

Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If you don’t have enough assets, you must purchase at least the state minimum amount of insurance. But insurance exists to protect your assets. Trying to see how little you can get by with can be very shortsighted and dangerous.

If you've financed your car, your lender may require comprehensive and collision insurance as part of the loan agreement.

Below is an example of the state minimum limits for auto liability insurance. The first number refers to liability limits for bodily injury for any one person, the second to limits for all persons injured, and the third refers to property damage liability limits. For example, 20/40/10 means coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual and $10,000 coverage for property damage.

 


State


Liability limits (1)


State


Liability limits (1)


State


Liability limits (1)

Alabama

20/40/10

Kentucky

25/50/10

North Dakota

25/50/25

Alaska

50/100/25

Louisiana

10/20/10

Ohio

12.5/25/7.5

Arizona

15/30/10

Maine

50/100/25

Oklahoma

10/20/10

Arkansas

25/50/25

Maryland

20/40/15

Oregon

25/50/10

California (2)

15/30/5

Massachusetts

20/40/5

Pennsylvania

15/30/5

Colorado

25/50/15

Michigan

20/40/10

Rhode Island

25/50/25

Connecticut

20/40/10

Minnesota

30/60/10

South Carolina

15/30/10

Delaware

15/30/10

Mississippi

10/20/5

South Dakota

25/50/25

D.C.

25/50/10

Missouri

25/50/10

Tennessee (7)

25/50/10

Florida (3)

10/20/10

Montana

25/50/10

Texas

20/40/15

Georgia

25/50/25

Nebraska

25/50/25

Utah

25/50/15

Hawaii

20/40/10

Nevada

15/30/10

Vermont

25/50/10

Idaho

25/50/15

New Hampshire (4)

25/50/25

Virginia

25/50/20

Illinois

20/40/15

New Jersey (5)

15/30/5

Washington

25/50/10

Indiana

25/50/10

New Mexico

25/50/10

West Virginia

20/40/10

Iowa

20/40/15

New York (6)

25/50/10

Wisconsin (4)

25/50/10

Kansas

25/50/10

North Carolina

30/60/25

Wyoming

25/50/20

(1) The first two figures refer to bodily injury liability and the third figure to property damage liability. For example, 20/40/10 means coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $10,000 coverage for property damage.
(2) Low-cost policy limits for Los Angeles and San Francisco low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3. This is a pilot program effective from July 1, 2000 until January 1, 2007.
(3) Only property damage liability is compulsory.
(4) Liability insurance not compulsory; limits are for financial responsibility.
(5) Drivers may choose a Standard or Basic Policy. Basic Policy limits are 10/10/5.
(6) 50/100 if injury results in death.
(7) Although legally defined as financial responsibility, Tennessee's law is similar to a compulsory law because drivers can be fined if stopped by police or after crashes if they cannot show proof of financial responsibility.

Source:  American Insurance Association; Property Casualty Insurerers Association of America; Insurance Information Institute.

 

Source: Insurance Information Institute, Inc. www.iii.org

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