Auto > Minimum Levels
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 |
