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Auto Insurance State Minimums
Each state requires a minimum amount of car insurance coverage you must obtain as a car owner. Keep in mind that these are minimums and may be lower coverage levels than you may want or need to protect you and your loved ones. The following list provides you with the state minimums for bodily injury liability coverage and property damage liability coverage. For more information about these minimums please read the description following the state minimums.
• Alaska 50/100/25
• Alabama 20/40/10
• Arkansas 25/50/15
• Arizona 15/30/10
• California 15/30/5
• Colorado 25/50/15
• Connecticut 20/40/10
• Delaware 15/30/5
• Florida 10/20/10
• Georgia 15/30/10
• Hawaii 20/40/10
• Idaho 20/50/15
• Illinois 20/40/15
• Indiana 25/50/10
• Iowa 20/40/15
• Kansas 25/50/10
• Kentucky 25/50/10
• Louisiana 10/20/10
• Maine 50/100/25
• Maryland 20/40/10
• Massachusetts 20/40/5
• Michigan 20/40/10
• Minnesota 30/60/10
• Mississippi 25/50/25
• Missouri 25/50/10
• Montana 25/50/10
• Nebraska 25/50/25
• New Hampshire 25/50/25
• New Jersey 15/30/5
• New Mexico 25/50/10
• Nevada 15/30/10
• New York 25/50/10
• North Carolina 30/60/25
• North Dakota 25/50/25
• Ohio 12.5/25/7.5
• Oklahoma 10/20/10
• Oregon 25/50/10
• Pennsylvania 15/30/5
• Rhode Island 25/50/25
• South Carolina 15/30/10
• South Dakota 25/50/25
• Tennessee 25/50/10
• Texas 20/40/15
• Utah 25/50/15
• Virginia 25/50/20
• Vermont 25/50/10
• Washington 25/50/10
• Wisconsin 25/50/10
• West Virginia 20/40/10
• Wyoming 25/50/20
The first two numbers refer to bodily injury liability coverage (in thousands) and the third number refers to property damage liability (in thousands). If you live in California, you will find that the minimums are listed as 15/30/5.
The first number, $15,000, refers to the maximum someone would receive in the case they were injured in an accident that was your fault. The second number, $30,000, refers to the total bodily injury coverage for that accident. Simply put, if you are at fault and medical expenses for all of those involved in the accident exceed $30,000, your insurance would only cover $30,000 and you would be responsible for the rest.
The last number is the minimum property damage liability coverage you must have ($5,000 for Californians). Keep in mind that if the result of an accident leads to property damage in excess of $5,000, you will be responsible for paying all expenses your insurance company will not cover.