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Minimum Car Insurance Coverage Requirements by State

Find out if your car insurance policy meets your state's minimum liability coverage requirements. We have the minimum car insurance requirement for each state.

Minumum Liability Car Insurance Coverage Requirements by state

Every state has different minimum insurance levels. Some states have much higher levels than others. For example, the laws in Maine are much stricter than those in Florida. But, all of them include these three basic components:

  • Individual Bodily Injury Liability (BIL): : This is the most your insurance company will pay for one person injured in a car accident. It applies only to people on your policy. State minimums range from $10,000 to $50,000.
  • Total Bodily Injury Liability: This is the most your insurance company will pay in total for everyone injured in a car accident. It applies to you and people not on your policy. State minimums range from $20,000 to $100,000.
  • Property Damage Liability (PIL): This is the most your insurance company will pay for property damage caused by a car crash. This includes all physical damage such as vehicle damage and damage to road fixtures. So, if you hit a telephone pole or road sign, you’re covered. It also includes any other non-medical costs of the accident. State minimums range from $5,000 to $25,000.

Each insurer has its own way of deciding rates. That's why it's so vital to compare quotes across all companies when shopping for car insurance. Doing so guarantees that the rate you’re paying is the best rate possible. QuoteWizard makes getting a comparison quick and simple.

Are the minimum insurance requirements enough?

Compared to the national averages, many states’ minimum insurance levels are low. The laws are there to protect consumers. But, the minimum probably won’t be enough. So, it’s important to consider buying more than the bare minimum. For example, some states only require $5,000 Property Damage Liability. But, most cars are worth much more than that and many car crashes cause far more than $15,000 in damages. The same goes for Bodily Injury Liability requirements. It’s worth it to pay a bit more for higher coverage, rather than finding out after an accident that your insurance coverage isn’t enough. That’s the kind of surprise you want to avoid.

It might sound like a lot, but insurance companies recommend around 100/300/100 for most drivers. That means $100,000 and $300,000 in BIL and $100,000 for PIL. Especially in today’s world of lawsuits and fines, paying a little extra for much more protection is a smart decision. It’s one that could save you a huge headache and a lot of cash down the road.

Minimum Liability Car Insurance Levels by State

Alabama 25/50/25
Alaska 50/100/25
Arizona 15/30/10
Arkansas 25/50/25
California 15/30/5
Colorado 25/50/15
Connecticut 20/40/10
Delaware 15/30/10
District of Columbia 25/50/10
Florida 10/20/10
Georgia 25/50/25
Hawaii 20/40/10
Idaho 25/50/15
Illinois 25/50/20
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 20/40/15
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
Nevada 15/30/10
New Hampshire 25/50/25
New Jersey 15/30/5
New Mexico 25/50/10
New York 25/50/10
North Carolina 30/60/25
North Dakota 25/50/25
Ohio 25/50/25
Oklahoma 25/50/25
Oregon 25/50/10
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 25/50/25
South Dakota 25/50/25
Tennessee 25/50/15
Texas 25/50/25
Utah 25/65/15
Vermont 25/50/10
Virginia 25/50/20
Washington 25/50/10
West Virginia 20/40/10
Wisconsin 25/50/10
Wyoming 25/50/20

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