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Be Smart -
Shop around for
Auto Insurance Quotes.
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Auto Insurance Minimum Requirements are different in each state
(see chart
below). Some states, you can not get car tags without showing proof of
liability insurance, other states use an "honor system" they won't ask
for proof of insurance unless drivers have accidents or tickets on their
records.
If you live in a state that requires liability insurance,
You must purchase at least the
minimum amount required by state law.
How to read Auto Insurance liability limits
The following information will help you understand liability limit numbers
on your policy.
Looking at the chart, you find that in Alabama the minimum liability limits are 20/40/10
First number: (20) $20,000 for bodily injury liability maximum
for one person injured in an accident.
Second number: (40) $40,000 for bodily injury liability maximum
for all injuries in one accident.
Third number: (10) $10,000 for property damage liability maximum
for one accident.
What states are no-fault?
Auto Insurance Minimum Requirements
| State |
Liability required? 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 |
No |
No |
No |
| California1 |
Yes, 15/30/5 |
No |
No |
No |
| Colorado |
Yes, 25/50/15 |
Yes |
No |
No |
| Connecticut |
Yes, 20/40/10 |
No |
No |
Yes |
| Delaware |
Yes, 15/30/5 |
Yes |
No |
No |
| Florida2 |
Yes, 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, 10/20/5 |
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 |
| New Hampshire |
No, 25/50/25 |
No |
No |
Yes |
| New Jersey3 |
Yes, 15/30/5 |
Yes |
Yes |
Yes |
| New Mexico |
Yes, 25/50/10 |
No |
No |
No |
| New York4 |
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, 10/20/10 |
No |
No |
No |
| Oregon |
Yes, 25/50/10 |
Yes |
No |
Yes |
| Pennsylvania |
Yes, 15/30/5 |
No |
Yes |
No |
| Rhode Island |
Yes, 25/50/25 |
No |
No |
Yes |
| South Carolina |
No, 15/30/10 |
No |
No |
Yes |
| South Dakota |
Yes, 25/50/25 |
No |
No |
Yes |
| Tennessee |
No, 25/50/10 |
No |
No |
No |
| Texas |
Yes, 20/40/15 |
No |
No |
No |
| Utah |
Yes, 25/50/15 |
Yes |
Yes |
No |
| Vermont |
Yes, 25/50/10 |
No |
No |
Yes |
| Virginia |
No, 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, 25/50/10 |
No |
No |
Yes |
| Wyoming |
Yes, 25/50/20 |
No |
No |
No |
1Low-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.
2Only property-damage liability is compulsory.
3Drivers can choose a standard or basic policy. Basic policy limits are
10/10/5; only property-damage liability is mandatory.
4Liability rises to 50/100 if injury results in death.
Last updated Aug., 2005
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