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Your state may have specific requirements for auto insurance coverage. In some states, you cannot register your car without proving that you have liability insurance, though in others, you don't have to prove you're insured until you get into an accident or get a ticket.

Only five states do not require that you have liability coverage, but all the rest do and they have minimum levels set of how much liability coverage you have to purchase.


Reading liability limits

There are three numbers in liability limits. The first is the bodily injury liability maximum for one person injured in an accident. The second is the bodily injury liability maximum for all the injuries in a single accident. And the final number is the property damage liability maximum for a single accident.

For example, Alabama's liability minimums are listed as 20/40/10 in the table below. This means that you must have $20,000 for injury liability per person, $40,000 for all injuries, and $10,000 for property damage.

State

Liability Coverage

Liability minimums (in thousands of dollars)

Alabama

Required

20/40/10

Alaska

Required

50/100/25

Arizona

Required

15/30/10

Arkansas

Required

25/50/25

California

Required

15/30/5

Colorado

Required

25/50/15

Connecticut

Required

20/40/10

Delaware

Required

15/30/5

Florida

Required (only property damage is required)

10/20/10

Georgia

Required

25/50/25

Hawaii

Required

20/40/10

Idaho

Required

25/50/15

Illinois

Required

20/40/15

Indiana

Required

25/50/10

Iowa

Required

20/40/15

Kansas

Required

25/50/10

Kentucky

Required

25/50/10

Louisiana

Required

10/20/10

Maine

Required

50/100/25

Maryland

Required

20/40/15

Massachusetts

Required

20/40/5

Michigan

Required

20/40/10

Minnesota

Required

30/60/10

Mississippi

Required

10/20/5

Missouri

Required

25/50/10

Montana

Required

25/50/10

Nebraska

Required

25/50/25

Nevada

Required

15/30/10

New Hampshire

Not Required

25/50/25

New Jersey

Required (only property damage is required)

15/30/5

New Mexico

Required

25/50/10

New York

Required

25/50/10

North Carolina

Required

30/60/25

North Dakota

Required

25/50/25

Ohio

Required

12.5/25/7.5

Oklahoma

Required

10/20/10

Oregon

Required

25/50/10

Pennsylvania

Required

15/30/5

Rhode Island

Required

25/50/25

South Carolina

Not Required

15/30/10

South Dakota

Required

25/50/25

Tennessee

Required

25/50/10

Texas

Required

20/40/15

Utah

Required

25/50/15

Vermont

Required

25/50/10

Virginia

Not Required

25/50/20

Washington

Required

25/50/10

Washington D.C.

Required

25/50/10

West Virginia

Required

20/40/10

Wisconsin

Not Required

25/50/10

Wyoming

Required

25/50/20

 
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