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Minimum Auto Insurance Coverage Requirements by State

As a supplement to my recent coverage of the types of auto insurance coverage, I thought I would provide a list of the minimum auto insurance coverage requirements by state.

Each state has their own laws governing the minimum car insurance coverage you need—use this list to find your state and determine your minimum coverage. It’s a good idea to compare a few different auto insurance quotes using the same coverage selection to be sure you’re getting the best deal. You will probably find that your quotes vary dramatically by company– it’s not uncommon to see rates vary by as much as $500!

You’ll notice that most states include three numbers, such as 20/40/10. These are called “split limits” for liability insurance. What this means is that the state requires $20,000 in coverage for damages to another person, $40,000 in coverage for bodily injuries to all injured parties, and $10,000 in coverage for property damage.

Find your state below:

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Alabama: Alabama auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 20/40/10
  • No fault insurance not required.

Alaska: Alaska auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 50/100/25
  • No fault insurance not required.

Arizona: Arizona auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 15/30/10
  • No fault insurance not required.

Arkansas: Arkansas auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 25/50/25
  • No fault insurance not required.

California: California auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 15/30/5
  • No fault insurance not required.

Colorado: Colorado auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 25/50/15
  • No fault insurance not required.

Connecticut: Connecticut auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and uninsured motorist required
  • Liability limits: 20/40/10
  • No fault insurance not required.

Delaware: Delaware auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and personal injury protection required
  • Liability limits: 15/30/10
  • No fault insurance not required.

Washington DC: Washington DC auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 25/50/10
  • No fault insurance IS required.

Florida: Florida auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and personal injury protection required
  • Liability limits: 10/20/10
  • No fault insurance IS required.

Georgia: Georgia auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 25/50/25
  • No fault insurance not required.

Hawaii: Hawaii auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and personal injury protection required
  • Liability limits: 20/40/10
  • No fault insurance IS required.

Idaho: Idaho auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and uninsured motorist required
  • Liability limits: 25/50/15
  • No fault insurance not required.

Illinois: Illinois auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 20/40/15
  • No fault insurance not required.

Indiana: Indiana auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 25/50/10
  • No fault insurance not required.

Iowa: Iowa auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 20/40/15
  • No fault insurance not required.

Kansas: Kansas auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and personal injury protection required
  • Liability limits: 25/50/10
  • No fault insurance IS required.

Kentucky: Kentucky auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and personal injury protection required
  • Liability limits: 25/50/10
  • No fault insurance IS required.

Louisiana: Louisiana auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 10/20/10
  • No fault insurance not required.

Maine: Maine auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and uninsured motorist required
  • Liability limits: 50/100/25
  • No fault insurance not required.

Maryland: Maryland auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and uninsured and underinsured motorist required
  • Liability limits: 20/40/15
  • No fault insurance not required.

Massachusetts: Massachusetts auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and personal injury protection, uninsured motorist required
  • Liability limits: 20/40/5
  • No fault insurance IS required.

Michigan: Michigan auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and personal injury protection required
  • Liability limits: 20/40/10
  • No fault insurance IS required.

Minnesota: Minnesota auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and personal injury protection, uninsured motorist required
  • Liability limits: 30/60/10
  • No fault insurance IS required.

Mississippi: Mississippi auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 10/20/5
  • No fault insurance not required.

Missouri: Missouri auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and uninsured motorist required
  • Liability limits: 25/50/10
  • No fault insurance not required.

Montana: Montana auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability and required
  • Liability limits: 25/50/10
  • No fault insurance not required.
  •  

Nebraska: Nebraska auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability, uninsured and underinsured motorist required
  • Liability limits: 25/50/25
  • No fault insurance not required.

Nevada: Nevada auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 15/30/10
  • No fault insurance not required.

New Hampshire: New Hampshire auto insurance minimum coverage requirements:

  • Proof of financial responsibility, medical payments, uninsured motorist required
  • Liability limits: 25/50/25
  • No fault insurance not required.

New Jersey: New Jersey auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability, personal injury protection, uninsured motorist required
  • Liability limits: 15/30/5
  • No fault insurance IS required.

New Mexico: New Mexico auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 25/50/10
  • No fault insurance not required.

New York: New York auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability, uninsured motorist, personal injury protection required
  • Liability limits: 25/50/10
  • No fault insurance IS required.

North Carolina: North Carolina auto insurance minimum coverage requirements:

  • Bodily injury and property damage liabilityrequired
  • Liability limits: 30/60/25
  • No fault insurance not required.

North Dakota: North Dakota auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist required
  • Liability limits: 25/50/25
  • No fault insurance IS required.

Ohio: Ohio auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 12.5/25/7.5
  • No fault insurance not required.

Oklahoma: Oklahoma auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 25/50/25
  • No fault insurance not required.

Oregon: Oregon auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 25/50/10
  • No fault insurance not required.

Pennsylvania: Pennsylvania auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability, medical paymentsrequired
  • Liability limits: 15/30/5
  • No fault insurance IS required.

Rhode Island: Rhode Island auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 25/50/25
  • No fault insurance not required.

South Carolina: South Carolina auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability, uninsured motorist required
  • Liability limits: 15/30/10
  • No fault insurance not required.

South Dakota: South Dakota auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability, uninsured motorist required
  • Liability limits: 25/50/25
  • No fault insurance not required.

Tennessee: Tennessee auto insurance minimum coverage requirements:

  • Proof of financial responsibility required
  • Liability limits: 25/50/10
  • No fault insurance not required.

Texas: Texas auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 30/60/30
  • No fault insurance not required.

Utah: Utah auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability, personal injury protection, uninsured and underinsured motorist required
  • Liability limits: 25/50/15
  • No fault insurance IS required.

Vermont: Vermont auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability, uninsured motorist required
  • Liability limits: 25/50/10
  • No fault insurance not required.

Virginia: Virginia auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability, uninsured and underinsured motorist required
  • Liability limits: 25/50/20
  • No fault insurance not required.

Washington: Washington auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 25/50/10
  • No fault insurance not required.

West Virginia: West Virginia auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability, uninsured motorist
  • Liability limits: 20/40/10
  • No fault insurance not required.

Wisconsin: Wisconsin auto insurance minimum coverage requirements:

  • Proof of financial responsibility, uninsured motorist
  • Liability limits: 25/50/10
  • No fault insurance not required.

Wyoming: Wyoming auto insurance minimum coverage requirements:

  • Bodily injury and property damage liability required
  • Liability limits: 25/50/20
  • No fault insurance not required.

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