Lower Your Auto Insurance Costs - it's Free!
  1. Fill Out Our Short Form
  2. Compare Quotes
  3. Start Saving

Insurance Laws And Requirements By State

Insurance laws vary by state, this should come as no surprise as every state in the USA has it’s own unique government and legislation. What might be satisfactory in one state might be illegal in another. For example, liability insurance is not be required by law in New Hampshire. In neighboring Massachusetts, however, the insurance requirements are high and regulation is tight. Because of this, it is very important to understand the auto insurance laws and requirements in your state. Continue reading below to see the insurance minimums in your state and also read why it is important to always meet these requirements.

auto insurance laws by state

Learn more about insurance laws and requirements in your state by reading our guide below.

State Minimum Auto Insurance Requirements

The following limits are for bodily injury and death, and property damage. For example, Alaska has 50/100/25 minimum coverage. This means that the state requires a minimum of $50,000 bodily injury/death coverage per person, a minimum of $100,000 bodily injury/death coverage per accident, and finally, a minimum of $25,000 for property damage per accident.

Some of these states have recent changes or stipulations regarding insurance requirements. View what these are at the end of the table.

How to read this chart

BI = Bodily Injury
PD = Property Damage
PIP = Personal Injury Protection
UM = Uninsured Motorist
UIM = Underinsured Motorist

State Insurance Required Minimum Limits
Alabama BI & PD Liability 25/50/25
Alaska BI & PD Liability 50/100/25
Arizona BI & PD Liability 15/30/10
Arkansas BI & PD Liability, PIP 25/50/25
California BI & PD Liability 15/30/51
Colorado BI & PD Liability 25/50/15
Connecticut BI & PD Liability, UM, UIM 20/40/10
Delaware BI & PD Liability, PIP 15/30/10
District of Columbia BI & PD Liability, UM 25/50/10
Florida PD Liability, PIP 10/20/102
Georgia BI & PD Liability 25/50/25
Hawaii BI & PD Liability, PIP 20/40/10
Idaho BI & PD Liability 25/50/15
Illinois BI & PD Liability, UM 20/40/15
Indiana BI & PD Liability 25/50/10
Iowa BI & PD Liability 20/40/15
Kansas BI & PD Liability, PIP, UM 25/50/10
Kentucky BI & PD Liability, PIP 25/50/10
Louisiana BI & PD Liability 15/30/25
Maine BI & PD Liability, UM, UIM 50/100/253
Maryland BI & PD Liability, PIP4, UM, UIM 30/60/15
Massachusetts BI & PD Liability, PIP, UM 20/40/5
Michigan BI & PD Liability, PIP 20/40/10
Minnesota BI & PD Liability, PIP, UM,UIM 30/60/10
Mississippi BI & PD Liability 25/50/25
Missouri BI & PD Liability, UM 25/50/10
Montana BI & PD Liability 25/50/10
Nebraska BI & PD Liability 25/50/25
Nevada BI & PD Liability 15/30/10
New Hampshire FR only7, UM 25/50/253
New Jersey BI & PD Liability, PIP, UM, UIM 15/30/55
New Mexico BI & PD Liability 25/50/10
New York BI & PD Liability, PIP, UM 25/50/106
North Carolina BI & PD Liability, UM, UIM 30/60/25
North Dakota BI & PD Liability, PIP, UM, UIM 25/50/25
Ohio BI & PD Liability 12.5/25/7.5
Oklahoma BI & PD Liability 25/50/25
Oregon BI & PD Liability, PIP, UM 25/50/20
Pennsylvania BI & PD Liability, PIP 15/30/5
Rhode Island BI & PD Liability, UM8 25/50/257
South Carolina BI & PD Liability, UM 25/50/25
South Dakota BI & PD Liability, UM 25/50/25
Tennessee BI & PD Liability 25/50/152
Texas BI & PD Liability 30/60/25
Utah BI & PD Liability, PIP 25/65/152
Vermont BI & PD Liability 25/50/10
Virginia BI & PD Liability, UM, UIM 25/50/20
Washington BI & PD Liability 25/50/10
West Virginia BI & PD Liability, UM 20/40/10
Wisconsin BI & PD Liability, UM, UIM 50/100/15
Wyoming BI & PD Liability 25/50/20
  1. If you are qualified for low-income driver assistance in California using California’s Automobile Assigned Risk Plan, then your limits are only 10/20/3.
  2. In these states, you can combine all requirements (bodily injury, property damage, and personal injury protection) with a single combined limit policy.
  3. In Maine, in addition to these requirements, policyholders are required to carry at least $1,000 in medical payments coverage.
  4. The PIP in Maryland may be waived for the policyholder, but it is needed for passengers in the car.
  5. In New Jersey, the basic policy limits are 10/10/5 and this is optional. Under basic policy, UM and UIM are not required. Under standard policy, they are.
  6. In New York, policy holders are also required to have 50/100 in wrongful death coverage.
  7. In New Hampshire, the “FR” stands for “financial responsibility”. In this state, libiality coverage is not required by law (although recommended) if you are deemed to be financially responible.
  8. In Rhode Island, you do not needed UM if you only buy the minimum limits for BI and PD.

In minimum coverage auto insurance enough?

What happens if you have the state minimum liability requirements, but the accident still causes more damage than you are covered for? For example, if you have $50,000 coverage for bodily injury per accident and three people were injured all requiring $25,000 of medical care each, then what happens? The total for this accident would be $75,000. In this case, the insurance company would pay for the $50,000 you are covered for, but the remaining $25,000 would have to come out of your pocket! If you do not have the $25,000 or do not pay, you could get sued for this amount.

This is why it is important to always have ample liability coverage. Sometimes, the state minimums simply aren’t enough! In fact, the Insurance Information Institute (III) recommends that all drivers in the United States carry at least $100,000 of bodily injury protection per person and $300,000 per accident (100/300).

If you look at the limits in your state (above), you can see how they might not cover all of damages (property and bodily) in an accident. Go back up to the list and look at your state once again. Do you feel comfortable with your state’s minimum auto insurance requirements? If not, you might want to talk to your insurance agent about raising your limits. It does not cost much to raise these car insurance limits, and doing so can save you tons of money in the long run.

To learn more about these state auto insurance laws, visit some of the resources below.

Auto Insurance Laws and Requirements References